| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACADIA BENEFITS INC3 Filed as: ACADIA BENEFITS INC. | 111 COMMERCIAL ST. PORTLAND, ME 04101 | HARVARD PILGRIM HEALTH CARE INC | $60K | — | $60K | 2.37% |
| ACADIA BENEFITS INC3 Filed as: ACADIA BENEFITS INC. | 111 COMMERCIAL ST. PORTLAND, ME 04101 | HARVARD PILGRIM HEALTH CARE INC | $25K | — | $25K | 2.37% |
| ACADIA BENEFITS INC3 Filed as: ACADIA BENEFITS INC. | 111 COMMERCIAL ST. PORTLAND, ME 04101 | HARVARD PILGRIM HEALTH CARE INC | $8K | — | $8K | 2.37% |
| ACADIA BENEFITS INC3 Filed as: ACADIA BENEFITS INC. | 111 COMMERCIAL ST. PORTLAND, ME 04101 | DELTA DENTAL PLAN OF MAINE | $7K | — | $7K | 3.19% |
| ACADIA BENEFITS INC3 Filed as: ACADIA BENEFITS INC. | 111 COMMERICIAL ST. PORTLAND, ME 04101 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $7K | — | $7K | 5.00% |
| ACADIA BENEFITS INC3 Filed as: ACADIA BENEFITS INC. | 111 COMMERCIAL ST. PORTLAND, ME 04101 | HPHC INSURANCE COMPANY, INC | $3K | — | $3K | 2.37% |
| ACADIA BENEFITS INC3 Filed as: ACADIA BENEFITS INC. | 111 COMMERCIAL ST. PORTLAND, ME 04101 | HPHC INSURANCE COMPANY, INC | $298 | — | $298 | 2.37% |
| ACADIA BENEFITS INC3 Filed as: ACADIA BENEFITS INC. | 111 COMMERCIAL ST. PORTLAND, ME 04101 | ANTHEM HEALTH PLAN OF MAINE INC | $796 | — | $796 | 10.65% |
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 | 387 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 387 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | HARVARD PILGRIM HEALTH CARE INC | 497 | $4.0M |
| Dental | DELTA DENTAL PLAN OF MAINE | 682 | $235K |
| Vision | ANTHEM HEALTH PLAN OF MAINE INC | 166 | $7K |
| Life insurance | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 453 | $145K |
| Short-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 453 | $145K |
| Long-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 453 | $145K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 682 | — |
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.