| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACADIA BENEFITS INC3 Filed as: ACADIA BENEFITS INC. | 111 COMMERCIAL STREET PORTLAND, ME 04101 | HARVARD PILGRIM HEALTH CARE | $29K | $0 | $29K | 2.71% |
| ACADIA BENEFITS INC3 Filed as: ACADIA BENEFITS INC. | 111 COMMERCIAL STREET PORTLAND, ME 04101 | HARVARD PILGRIM HEALTH CARE | $23K | $0 | $23K | 2.71% |
| ACADIA BENEFITS INC3 Filed as: ACADIA BENEFITS INC. | 111 COMMERCIAL STREET PORTLAND, ME 04101 | HPHC INSURANCE COMPANY | $4K | $0 | $4K | 2.71% |
| ACADIA BENEFITS INC3 Filed as: ACADIA BENEFITS INC. | 111 COMMERCIAL STREET PORTLAND, ME 04101 | DELTA DENTAL PLAN OF MAINE | $4K | $0 | $4K | 3.39% |
| ACADIA BENEFITS INC3 Filed as: ACADIA BENEFITS INC. | 111 COMMERCIAL STREET PORTLAND, ME 04101 | AMERCIAN GENERAL LIFE INSURANCE COMPANY | $8K | $0 | $8K | 16.57% |
| ACADIA BENEFITS INC3 Filed as: ACADIA BENEFITS INC. | 111 COMMERCIAL STREET PORTLAND, ME 04101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $216 | $3K | 9.04% |
| ACADIA BENEFITS INC3 Filed as: ACADIA BENEFITS INC. | 111 COMMERCIAL STREET PORTLAND, ME 04101 | HPHC INSURANCE COMPANY | $532 | $0 | $532 | 2.71% |
| ACADIA BENEFITS INC3 Filed as: ACADIA BENEFITS INC. | 111 COMMERCIAL STREET PORTLAND, ME 04101 | HARVARD PILGRIM HEALTH CARE | $409 | $0 | $409 | 2.71% |
| ACADIA BENEFITS INC3 Filed as: ACADIA BENEFITS INC. | 111 COMMERCIAL STREET PORTLAND, ME 04101 | HARVARD PILGRIM HEALTH CARE | $233 | $0 | $233 | 2.71% |
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 | 336 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 336 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 2 carriers) | HARVARD PILGRIM HEALTH CARE | 262 | $2.1M |
| Dental | DELTA DENTAL PLAN OF MAINE | 457 | $128K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 335 | $29K |
| Short-term disability | AMERCIAN GENERAL LIFE INSURANCE COMPANY | 285 | $51K |
| Long-term disability | AMERCIAN GENERAL LIFE INSURANCE COMPANY | 285 | $51K |
| Prescription drug(6 contracts, 2 carriers) | HARVARD PILGRIM HEALTH CARE | 262 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 457 | — |
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.