| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACADIA BENEFITS INC3 Filed as: ACADIA BENEFITS, INC. | 50 PORTLAND PIER, STE 301 PORTLAND, ME 04101 | HARVARD PILGRIM HEALTH CARE | $90K | $30K | $120K | 1.96% |
| ACADIA BENEFITS INC3 Filed as: ACADIA BENEFITS, INC. | 50 PORTLAND PIER, STE 301 PORTLAND, ME 04101 | HARVARD PILGRIM HEALTH CARE | $32K | $11K | $43K | 1.96% |
| ACADIA BENEFITS INC3 Filed as: ACADIA BENEFITS, INC. | 50 PORTLAND PIER, STE 301 PORTLAND, ME 04101 | HARVARD PILGRIM HEALTH CARE | $14K | $5K | $19K | 1.96% |
| ACADIA BENEFITS INC3 Filed as: ACADIA BENEFITS, INC. | 50 PORTLAND PIER, STE. 301 PORTLAND, ME 04101 | DELTA DENTAL PLAN OF MAINE | $11K | — | $11K | 2.34% |
| ACADIA BENEFITS INC3 Filed as: ACADIA BENEFITS, INC. | 50 PORTLAND PIER STE 301 PORTLAND, ME 04101 | GUARDIAN | $17K | — | $17K | 4.90% |
| ACADIA BENEFITS INC3 Filed as: ACADIA BENEFITS, INC. | 50 PORTLAND PIER, STE 301 PORTLAND, ME 04101 | HARVARD PILGRIM HEALTH CARE | $6K | $2K | $9K | 3.91% |
| ACADIA BENEFITS INC3 Filed as: ACADIA BENEFITS, INC. | 50 PORTLAND PIER STE 301 PORTLAND, ME 04101 | ANTHEM HEALTH PLANS OF MAINE, INC. | $3K | — | $3K | 10.98% |
| ACADIA BENEFITS INC3 Filed as: ACADIA BENEFITS, INC. | 50 PORTLAND PIER, STE 301 PORTLAND, ME 04101 | HPHC INSURANCE COMPANY | $122 | $41 | $163 | 1.95% |
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 | 667 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 668 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 2 carriers) | HARVARD PILGRIM HEALTH CARE | 745 | $9.5M |
| Dental | DELTA DENTAL PLAN OF MAINE | 1,067 | $476K |
| Vision | ANTHEM HEALTH PLANS OF MAINE, INC. | 548 | $32K |
| Life insurance | GUARDIAN | 664 | $351K |
| Short-term disability | GUARDIAN | 664 | $351K |
| Long-term disability | GUARDIAN | 664 | $351K |
| Other | GUARDIAN | 664 | $351K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,067 | — |
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."
No prospect flags tripped on this filing.