| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACADIA BENEFITS INC3 Filed as: ACADIA BENEFITS, INC. | 111 COMMERCIAL STREET, 5TH FLOOR PORTLAND, ME 04101 | HPHC INSURANCE COMPANY | $43K | — | $43K | 2.84% |
| ACADIA BENEFITS INC3 Filed as: ACADIA BENEFITS, INC. | 111 COMMERCIAL STREET, 5TH FLOOR PORTLAND, ME 04101 | HARVARD PILGRIM HEALTH CARE INC. | $40K | — | $40K | 2.84% |
| ACADIA BENEFITS INC3 Filed as: ACADIA BENEFITS, INC. | 111 COMMERCIAL STREET, 5TH FLOOR PORTLAND, ME 04101 | HARVARD PILGRIM HEALTH CARE INC. | $40K | — | $40K | 2.85% |
| ACADIA BENEFITS INC3 Filed as: ACADIA BENEFITS, INC. | 111 COMMERCIAL STREET, 5TH FLOOR PORTLAND, ME 04101 | AMERITAS LIFE INSURANCE CORPORATION | $1K | $929 | $2K | 0.96% |
| ACADIA BENEFITS INC3 Filed as: ACADIA BENEFITS, INC. | 111 COMMERCIAL STREET, 5TH FLOOR PORTLAND, ME 04101 | ANTHEM LIFE INSURANCE COMPANY | $3K | — | $3K | 14.08% |
| ACADIA BENEFITS INC3 Filed as: ACADIA BENEFITS, INC. | 111 COMMERCIAL STREET, 5TH FLOOR PORTLAND, ME 04101 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 14.40% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 930 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 930 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | HPHC INSURANCE COMPANY | 448 | $4.3M |
| Dental | AMERITAS LIFE INSURANCE CORPORATION | 1,377 | $201K |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 1,377 | $201K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 642 | $24K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 47 | $18K |
| Other | ANTHEM LIFE INSURANCE COMPANY | 642 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,377 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.