| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACADIA BENEFITS INC3 Filed as: ACADIA BENEFITS, INC. | 111 COMMERCIAL STREET PORTLAND, ME 041014719 | HARVARD PILGRIM HEALTH CARE | $7K | — | $7K | 1.21% |
| ACADIA BENEFITS INC3 Filed as: ACADIA BENEFITS, INC. | 111 COMMERCIAL STREET PORTLAND, ME 041014719 | HARVARD PILGRIM HEALTH CARE | $3K | — | $3K | 1.21% |
| ACADIA BENEFITS INC3 Filed as: ACADIA BENEFITS, INC. | 111 COMMERCIAL STREET 5TH FLOOR PORTLAND, ME 04101 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 3.92% |
| ACADIA BENEFITS INC3 Filed as: ACADIA BENEFITS,INC. | 111 COMMERCIAL STREET PORTLAND, ME 04101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $5K | 17.16% |
| ACADIA BENEFITS INC3 Filed as: ACADIA BENEFITS, INC. | 111 COMMERCIAL STREET PORTLAND, ME 04101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $319 | $2K | 18.14% |
| ACADIA BENEFITS INC3 Filed as: ACADIA BENEFITS, INC. | 111 COMMERCIAL STREET PORTLAND, ME 04101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $722 | $329 | $1K | 14.55% |
| ACADIA BENEFITS INC3 Filed as: ACADIA BENEFITS, INC. | 111 COMMERCIAL STREET PORTLAND, ME 04101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $633 | $77 | $710 | 16.82% |
| ACADIA BENEFITS INC3 Filed as: ACADIA BENEFITS, INC. | 111 COMMERCIAL STREET PORTLAND, ME 04101 | RED TREE INSURANCE COMPANY, INC. | $298 | — | $298 | 9.90% |
| COMBINED SERVICES LLC3 | DBA CSONE BENEFIT SOLUTIONS P.O. BOX 1320 CONCORD, NH 033021320 | RED TREE INSURANCE COMPANY, INC. | $45 | — | $45 | 1.49% |
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 | 140 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 143 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | HARVARD PILGRIM HEALTH CARE | 212 | $845K |
| Dental | STANDARD INSURANCE COMPANY | 134 | $71K |
| Vision | RED TREE INSURANCE COMPANY, INC. | 64 | $3K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 139 | $11K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 139 | $30K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 139 | $10K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 139 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 212 | — |
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."
No prospect flags tripped on this filing.