| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACADIA BENEFITS INC3 Filed as: ACADIA BENEFITS, INC. | 111 COMMERCIAL STREET PORTLAND, ME 04101 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $88K | $5K | $93K | 4.29% |
| ACADIA BENEFITS INC3 | 111 COMMERCIAL STREET PORTLAND, ME 04101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $1K | $5K | 16.60% |
| ACADIA BENEFITS INC3 | 111 COMMERCIAL STREET PORTLAND, ME 04101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $957 | $3K | 13.78% |
| ACADIA BENEFITS INC3 Filed as: ACADIA BENEFITS | 111 COMMERCIAL STREET PORTLAND, ME 04101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $908 | $3K | 13.85% |
| ACADIA BENEFITS INC3 Filed as: ACADIA BENEFITS, INC. | 111 COMMERICLA ST FL 5 PORTLAND, ME 04101 | EYEMED VISION CARE BY FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 10.88% |
| ACADIA BENEFITS INC3 Filed as: ACADIA BENEFITS, INC | 111 COMMERCIAL STREET PORTLAND, ME 04101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $702 | — | $702 | 10.79% |
| PATRICIA B GARDNER3 | 35 VILLAGEWOODS CIRCLE GORHAM, ME 04038 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $279 | $1 | $280 | 4.30% |
| ROBERT T WALKER3 | 10 RED BARN CIRCLE SCARBOROUGH, ME 04074 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $183 | $34 | $217 | 3.34% |
| AFFORDABLE BENEFITS SOLUTIONS INC3 Filed as: AFFORDABLE BENEFITS SOLUTIONS, INC. | 401 CUMBERLAND AVENUE PORTLAND, ME 04101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $131 | — | $131 | 2.01% |
| ALLISON WALKER3 | 10 RED BARN CIRCLE SCARBOROUGH, ME 04074 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $95 | $9 | $104 | 1.60% |
| EMPLOYEE BENEFIT CONSULTANTS3 | C/O COLONIAL LIFE INS CO PORTLAND, ME 04101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $78 | — | $78 | 1.20% |
| ACADIA BENEFITS INC3 | 111 COMMERCIAL STREET PORTLAND, ME 04101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $317 | $120 | $437 | 16.52% |
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 | 168 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 168 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 151 | $2.2M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 151 | $2.2M |
| Vision | EYEMED VISION CARE BY FIDELITY SECURITY LIFE INSURANCE COMPANY | 221 | $11K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 16 | $28K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $20K |
| Long-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $29K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 221 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.