| 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 | $69K | — | $69K | 2.77% |
| ACADIA BENEFITS INC3 Filed as: ACADIA BENEFITS, INC. | 50 PORTLAND PIER, STE 301 PORTLAND, ME 04101 | HARVARD PILGRIM HEALTH CARE | $69K | — | $69K | 2.77% |
| ACADIA BENEFITS INC3 Filed as: ACADIA BENEFITS, INC. | 50 PORTLAND PIER, STE 301 PORTLAND, ME 04101 | HARVARD PILGRIM HEALTH CARE | $46K | — | $46K | 2.77% |
| ACADIA BENEFITS INC3 Filed as: ACADIA BENEFITS, INC. | 50 PORTLAND PIER, STE 301 PORTLAND, ME 04101 | HARVARD PILGRIM HEALTH CARE | $17K | — | $17K | 2.77% |
| ACADIA BENEFITS INC3 Filed as: ACADIA BENEFITS, INC. | 50 PORTLAND PIER, STE. 301 PORTLAND, ME 04101 | DELTA DENTAL PLAN OF MAINE | $11K | — | $11K | 2.42% |
| ACADIA BENEFITS INC3 Filed as: ACADIA BENEFITS, INC. | 50 PORTLAND PIER STE 301 PORTLAND, ME 04101 | GUARDIAN | $18K | $3K | $20K | 7.55% |
| ACADIA BENEFITS INC3 Filed as: ACADIA BENEFITS, INC. | 50 PORTLAND PIER, STE 301 PORTLAND, ME 04101 | HARVARD PILGRIM HEALTH CARE | $7K | — | $7K | 2.77% |
| ACADIA BENEFITS INC3 Filed as: ACADIA BENEFITS, INC. | 50 PORTLAND PIER STE 301 PORTLAND, ME 04101 | ANTHEM HEALTH PLANS OF MAINE, INC. | $3K | — | $3K | 10.67% |
| ACADIA BENEFITS INC3 Filed as: ACADIA BENEFITS, INC. | 50 PORTLAND PIER, STE 301 PORTLAND, ME 04101 | HPHC INSURANCE COMPANY | $190 | — | $190 | 2.76% |
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 | 680 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 682 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 2 carriers) | HARVARD PILGRIM HEALTH CARE | 417 | $7.5M |
| Dental | DELTA DENTAL PLAN OF MAINE | 1,030 | $454K |
| Vision | ANTHEM HEALTH PLANS OF MAINE, INC. | 485 | $30K |
| Life insurance | GUARDIAN | 673 | $268K |
| Short-term disability | GUARDIAN | 673 | $268K |
| Long-term disability | GUARDIAN | 673 | $268K |
| Other | GUARDIAN | 673 | $268K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,030 | — |
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.