| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACADIA BENEFITS INC3 Filed as: ACADIA BENEFITS, INC | 111 COMMERICAL STREET PORTLAND, ME 04101 | HPHC INSURANCE COMPANY | $18K | — | $18K | 2.75% |
| HEALEY & ASSOCIATES3 Filed as: HEALEY & ASSOCIATES, INC | PO BOX 599 PORTLAND, ME 041120599 | HPHC INSURANCE COMPANY | $10K | — | $10K | 1.52% |
| BUSINESS INSURANCE AGENCY3 | 491 MAIN STREET, PO BOX 1388 BANGOR, ME 04401 | HPHC INSURANCE COMPANY | $3K | — | $3K | 0.39% |
| ACADIA BENEFITS INC3 Filed as: ACADIA BENEFITS, INC | 111 COMMERICAL STREET PORTLAND, ME 04101 | HARVARD PILGRIM HEALTH CARE | $6K | — | $6K | 2.76% |
| HEALEY & ASSOCIATES3 Filed as: HEALEY & ASSOCIATES, INC | PO BOX 599 PORTLAND, ME 041120599 | HARVARD PILGRIM HEALTH CARE | $3K | — | $3K | 1.52% |
| BUSINESS INSURANCE AGENCY3 | 491 MAIN STREET, PO BOX 1388 BANGOR, ME 04401 | HARVARD PILGRIM HEALTH CARE | $900 | — | $900 | 0.39% |
| ACADIA BENEFITS INC3 Filed as: ACADIA BENEFITS, INC | 111 COMMERICAL STREET PORTLAND, ME 04101 | DELTA DENTAL PLAN OF MAINE | $4K | — | $4K | 4.19% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES, LLC | PO BOX 1320 CONCORD, NH 033021320 | DELTA DENTAL PLAN OF MAINE | $968 | — | $968 | 1.08% |
| ACADIA BENEFITS INC3 Filed as: ACADIA BENEFITS, INC | 111 COMMERICAL STREET PORTLAND, ME 04101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $640 | $3K | 7.17% |
| CROSS INSURANCE3 | 491 MAIN STREET, PO BOX 1388 BANGOR, ME 04401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $309 | $154 | $463 | 1.32% |
| ACADIA BENEFITS INC3 Filed as: ACADIA BENEFITS, INC | 111 COMMERICAL STREET PORTLAND, ME 04101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $153 | $2K | 18.08% |
| CROSS INSURANCE3 | 491 MAIN STREET, PO BOX 1388 BANGOR, ME 04401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $97 | $32 | $129 | 1.55% |
| ACADIA BENEFITS INC3 Filed as: ACADIA BENEFITS, INC | 111 COMMERICAL STREET PORTLAND, ME 04101 | HPHC INSURANCE COMPANY | $114 | — | $114 | 2.47% |
| HEALEY & ASSOCIATES3 Filed as: HEALEY & ASSOCIATES, INC | PO BOX 599 PORTLAND, ME 041120599 | HPHC INSURANCE COMPANY | $63 | — | $63 | 1.37% |
| BUSINESS INSURANCE AGENCY3 | 491 MAIN STREET, PO BOX 1388 BANGOR, ME 04401 | HPHC INSURANCE COMPANY | $16 | — | $16 | 0.35% |
| ACADIA BENEFITS INC3 Filed as: ACADIA BENEFITS, INC. | 111 COMMERICAL STREET PORTLAND, ME 04104 | ANTHEM HEALTH PLANS OF MAINE, INC. | $85 | $0 | $85 | 8.06% |
| DEBORAH ANN SULLIVAN3 Filed as: DEBORAH SULLIVAN | 27 HEMLOCK RIDGE NORTH YARMOUTH, ME 04097 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $269 | — | $269 | 33.01% |
| ACADIA BENEFITS INC3 Filed as: ACADIA BENEFITS, INC | 111 COMMERICAL STREET PORTLAND, ME 04101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $83 | $12 | $95 | 11.66% |
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 | 148 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 148 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | HPHC INSURANCE COMPANY | 171 | $904K |
| Dental | DELTA DENTAL PLAN OF MAINE | 249 | $90K |
| Vision | ANTHEM HEALTH PLANS OF MAINE, INC. | 45 | $1K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 148 | $43K |
| Short-term disability(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 148 | $44K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 148 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 249 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.