| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KILBRIDE & HARRIS INSURANCE SVCS3 | 210 WESTERN AVENUE SOUTH PORTLAND, ME 04106 | HPHC INSURANCE COMPANY | $7K | — | $7K | 1.46% |
| ACADIA BENEFITS INC3 Filed as: ACADIA BENEFITS, INC. | 111 COMMERCIAL STREET PORTLAND, ME 041014719 | HPHC INSURANCE COMPANY | $5K | — | $5K | 0.98% |
| HOLDEN AGENCY3 Filed as: HOLDEN INSURANCE AGENCY | 2331 CONGRESS STREET PORTLAND, ME 04112 | HPHC INSURANCE COMPANY | $5K | — | $5K | 0.96% |
| KILBRIDE & HARRIS INSURANCE SVCS3 | 210 WESTERN AVENUE SOUTH PORTLAND, ME 04106 | HPHC INSURANCE COMPANY | $2K | — | $2K | 1.45% |
| ACADIA BENEFITS INC3 Filed as: ACADIA BENEFITS, INC. | 111 COMMERCIAL STREET PORTLAND, ME 041014719 | HPHC INSURANCE COMPANY | $2K | — | $2K | 0.98% |
| HOLDEN AGENCY3 Filed as: HOLDEN INSURANCE AGENCY | 2331 CONGRESS STREET PORTLAND, ME 041021907 | HPHC INSURANCE COMPANY | $2K | — | $2K | 0.96% |
| EMPLOYEE BENEFITS SOLUTIONS3 | 2331 CONGRESS STREET PORTLAND, ME 041021907 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 1.93% |
| KILBRIDE & HARRIS INSURANCE SVCS3 | 210 WESTERN AVENUE SOUTH PORTLAND, ME 041062424 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 1.77% |
| ACADIA BENEFITS INC3 | 111 COMMERCIAL STREET PORTLAND, ME 041014719 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $177 | — | $177 | 0.21% |
| CROSS BENEFIT SOLUTIONS3 | P.O. BOX 1388 BANGOR, ME 04402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 6.10% |
| ACADIA BENEFITS INC3 Filed as: ACADIA BENEFITS, INC. | 111 COMMERCIAL STREET PORTLAND, ME 04101 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $575 | — | $575 | 1.85% |
| KILBRIDE & HARRIS INSURANCE SVCS3 | 275 US ROUTE 1 CUMBERLAND FORESIDE, ME 04110 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $464 | — | $464 | 1.49% |
| CROSS BENEFIT SOLUTIONS3 | P.O. BOX 1388 BANGOR, ME 04402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $894 | — | $894 | 8.69% |
| KILBRIDE & HARRIS INSURANCE SVCS3 | 275 US ROUTE 1 CUMBERLAND FORESIDE, ME 04110 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $389 | — | $389 | 3.78% |
| ACADIA BENEFITS INC3 Filed as: ACADIA BENEFITS, INC. | 111 COMMERCIAL STREET PORTLAND, ME 04101 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $260 | — | $260 | 2.53% |
| CROSS BENEFIT SOLUTIONS3 | P.O. BOX 1388 BANGOR, ME 04402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $389 | — | $389 | 6.38% |
| KILBRIDE & HARRIS INSURANCE SVCS3 | 275 US ROUTE 1 CUMBERLAND FORESIDE, ME 04110 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $168 | — | $168 | 2.76% |
| ACADIA BENEFITS INC3 Filed as: ACADIA BENEFITS, INC. | 111 COMMERCIAL STREET PORTLAND, ME 04101 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $113 | — | $113 | 1.85% |
| CROSS BENEFIT SOLUTIONS3 | P.O. BOX 1388 BANGOR, ME 04402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $342 | — | $342 | 6.00% |
| KILBRIDE & HARRIS INSURANCE SVCS3 | 275 US ROUTE 1 CUMBERLAND FORESIDE, ME 04110 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $122 | — | $122 | 2.14% |
| ACADIA BENEFITS INC3 Filed as: ACADIA BENEFITS, INC. | 111 COMMERCIAL STREET PORTLAND, ME 04101 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $106 | — | $106 | 1.86% |
| CROSS BENEFIT SOLUTIONS3 | P.O. BOX 1388 BANGOR, ME 04101 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $26 | — | $26 | 9.00% |
| KILBRIDE & HARRIS INSURANCE SVCS3 | 275 US ROUTE 1 CUMBERLAND FORESIDE, ME 04110 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $12 | — | $12 | 4.15% |
| ACADIA BENEFITS INC3 Filed as: ACADIA BENEFITS, INC. | 111 COMMERCIAL STREET PORTLAND, ME 04101 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6 | — | $6 | 2.08% |
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 | 126 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | HPHC INSURANCE COMPANY | 172 | $643K |
| Dental | RELIANCE STANDARD LIFE INSURANCE COMPANY | 259 | $84K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 128 | $12K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 127 | $31K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 129 | $10K |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 128 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 259 | — |
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.