| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACADIA BENEFITS INC3 | 50 PORTLAND PIER SUITE 301 PORTLAND, ME 04101 | ANTHEM LIFE INSURANCE COMPANY | $15K | $0 | $15K | 7.82% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 1125 SANCTUARY PKWY STE 300 ALPHARETTA, GA 30009 | ANTHEM LIFE INSURANCE COMPANY | $0 | $500 | $500 | 0.26% |
| ACADIA BENEFITS INC3 | 50 PORTLAND PIER, SUITE 301 PORTLAND, ME 04101 | DELTA DENTAL PLAN OF MAINE | $6K | $0 | $6K | 5.09% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES LLC DBA CSONE BEN | PO BOX 1320 CONCORD, NH 033021320 | DELTA DENTAL PLAN OF MAINE | $101 | $0 | $101 | 0.08% |
| ACADIA BENEFITS INC3 | 50 PORTLAND PIER, SUITE 301 PORTLAND, ME 04101 | RED TREE INSURANCE COMPANY, INC. | $1K | $0 | $1K | 9.22% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES LLC DBA CSONE BEN | PO BOX 1320 CONCORD, NH 033021320 | RED TREE INSURANCE COMPANY, INC. | $160 | $0 | $160 | 1.39% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 151 FARMINGTON AVE. HARTFORD, CT 06156 | $156K |
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 | 216 | 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. |
| Total participants (= "Plan participants" tile) | 216 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL PLAN OF MAINE | 331 | $120K |
| Vision | RED TREE INSURANCE COMPANY, INC. | 139 | $12K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 222 | $189K |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY | 222 | $189K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 222 | $189K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 331 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.