| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLDEN AGENCY3 Filed as: HOLDEN INSURANCE AGENCY | 1085 BRIGHTON AVENUE PORTLAND, ME 04102 | HPHC INSURANCE COMPANY | $33K | — | $33K | 3.37% |
| HOLDEN AGENCY3 Filed as: HOLDEN INSURANCE AGENCY | 1085 BRIGHTON AVENUE PORTLAND, ME 04102 | HARVARD PILGRIM HEALTH CARE | $9K | — | $9K | 3.37% |
| HOLDEN AGENCY3 Filed as: HOLDEN INSURANCE AGENCY | 1085 BRIGHTON AVENUE PORTLAND, ME 04102 | HARVARD PILGRIM HEALTH CARE | $7K | — | $7K | 3.37% |
| ACADIA BENEFITS INC3 | 111 COMMERCIAL STREET PORTLAND, ME 041014719 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 2.63% |
| ACADIA BENEFITS INC3 | 111 COMMERCIAL STREET PORTLAND, ME 041014719 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 4.95% |
| THE ROWLEY AGENCY3 Filed as: THE ROWLEY AGENCY INC | PO BOX 511 CONCORD, NH 03302 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $666 | — | $666 | 0.78% |
| ACADIA BENEFITS INC3 | 111 COMMERCIAL STREET PORTLAND, ME 041014719 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 7.58% |
| THE ROWLEY AGENCY3 Filed as: THE ROWLEY AGENCY INC | PO BOX 511 CONCORD, NH 03302 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $67 | — | $67 | 0.11% |
| ACADIA BENEFITS INC3 | 111 COMMERCIAL STREET PORTLAND, ME 041014719 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 6.68% |
| THE ROWLEY AGENCY3 Filed as: THE ROWLEY AGENCY INC | PO BOX 511 CONCORD, NH 03302 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $518 | — | $518 | 3.32% |
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 | 184 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 185 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | HPHC INSURANCE COMPANY | 163 | $1.5M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 455 | $187K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 173 | $85K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 78 | $16K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 178 | $60K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 178 | $145K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 455 | — |
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.