| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CLARK INSURANCE3 | PO BOX 3543 PORTLAND, ME 04104 | HARVARD PILGRIM HEALTH CARE-HMO/HSA/HRA | $42K | — | $42K | 1.97% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE SUITE 401 BOSTON, MA 02199 | HARVARD PILGRIM HEALTH CARE-HMO/HSA/HRA | $7K | — | $7K | 0.35% |
| CLARK INSURANCE3 | PO BOX 3543 PORTLAND, ME 04104 | HARVARD PILGRIM HEALTH CARE POS/HSA | $13K | — | $13K | 1.97% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE SUITE 401 BOSTON, MA 02199 | HARVARD PILGRIM HEALTH CARE POS/HSA | $2K | — | $2K | 0.35% |
| CLARK INSURANCE3 | 1835 CHICAGO AVE STE B RIVERSIDE, CA 925072309 | PRINCIPAL LIFE INSURANCE COMPANY | $14K | — | $14K | 6.66% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE SUITE 401 BOSTON, MA 02199 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 1.21% |
| CLARK INSURANCE3 | 1945 CONGRESS ST BUILDING A PO BOX 3543 PORTLAND, ME 041043543 | DELTA DENTAL PLAN OF MAINE | $5K | — | $5K | 3.01% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE SUITE 401 BOSTON, MA 02199 | DELTA DENTAL PLAN OF MAINE | $1K | — | $1K | 0.61% |
| EMPLOYEE BENEFITS CONSULTANTS3 | 401 CUMBERLAND AVE PORTLAND, ME 04101 | COLONIAL LIFE & ACCIDENT INS CO | $8K | $193 | $8K | 9.58% |
| PETER R MARTEL3 | 19 HIGHLAND CLIFF ROAD WINDHAM, ME 04062 | COLONIAL LIFE & ACCIDENT INS CO | $200 | — | $200 | 0.24% |
| FLEURY ENTERPRISES INC3 | 162 INDIAN POINT RD TIVERTON, RI 02878 | COLONIAL LIFE & ACCIDENT INS CO | $15 | — | $15 | 0.02% |
| CLARK INSURANCE3 | PO BOX 3543 PORTLAND, ME 04104 | ANTHEM LIFE INSURANCE COMPANY | $6K | $549 | $7K | 14.91% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | ANTHEM LIFE INSURANCE COMPANY | $535 | — | $535 | 1.22% |
| CLARK INSURANCE3 | PO BOX 3543 PORTLAND, ME 04104 | HARVARD PILGRIM HEALTH CARE-HMO/HSA/NOHRA | $343 | — | $343 | 1.97% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE SUITE 401 BOSTON, MA 02199 | HARVARD PILGRIM HEALTH CARE-HMO/HSA/NOHRA | $61 | — | $61 | 0.35% |
| CLARK INSURANCE3 | 1945 CONGRESS ST BUILDING A PO BOX 3543 PORTLAND, ME 041043543 | RED TREE INSURANCE COMPANY, INC. | $1K | — | $1K | 8.23% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE SUITE 401 BOSTON, MA 02199 | RED TREE INSURANCE COMPANY, INC. | $249 | — | $249 | 1.66% |
| CLARK INSURANCE3 | PO BOX 3543 PORTLAND, ME 04104 | HARVARD PILGRIM HC HMO/HSA/HRA/C | $147 | — | $147 | 1.97% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE SUITE 401 BOSTON, MA 02199 | HARVARD PILGRIM HC HMO/HSA/HRA/C | $26 | — | $26 | 0.35% |
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 | 302 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 303 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | HARVARD PILGRIM HEALTH CARE-HMO/HSA/HRA | 309 | $2.8M |
| Dental | DELTA DENTAL PLAN OF MAINE | 419 | $179K |
| Vision | RED TREE INSURANCE COMPANY, INC. | 237 | $15K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 418 | $203K |
| Short-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 418 | $287K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 150 | $44K |
| Other(4 contracts, 4 carriers) | HARVARD PILGRIM HEALTH CARE-HMO/HSA/HRA | 309 | $2.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 419 | — |
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.