| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACADIA BENEFITS INC3 Filed as: ACADIA BENEFITS, INC. | 50 PORTLAND PIER, SUITE 301 PORTLAND, ME 04101 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $96K | $960 | $97K | 4.11% |
| ACADIA BENEFITS INC3 Filed as: ACADIA BENEFITS INC. | 50 PORTLAND PIER, SUITE 301 PORTLAND, ME 04101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | $0 | $12K | 8.07% |
| ACADIA BENEFITS INC3 Filed as: ACADIA BENEFITS, INC. | 111 COMMERICAL STREET, 5TH FLOOR PORTLAND, ME 04101 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $1K | $0 | $1K | 9.28% |
| ACADIA BENEFITS INC3 Filed as: ACADIA BENEFITS INC. | 111 COMMERICAL STREET PORTLAND, ME 04101 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $837 | $0 | $837 | 10.04% |
| ROBERT T WALKER3 Filed as: ROBERT T. WALKER | 10 RED BARN CIRCLE SCARBOROUGH, ME 04074 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $151 | $0 | $151 | 1.81% |
| AFFORDABLE BENEFITS SOLUTIONS INC3 Filed as: AFFORDABLE BENEFITS SOLUITONS INC. | 401 CUMBERLAND AVENUE PORTLAND, ME 04101 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $125 | $0 | $125 | 1.50% |
| DEBORAH ANN SULLIVAN3 | 27 HEMLOCK RIDGE NORTH YARMOUTH, ME 04097 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $96 | $6 | $102 | 1.22% |
| EMPLOYEE BENEFIT CONSULTANTS3 | UNKNOWN PORTLAND, ME 04101 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $84 | $0 | $84 | 1.01% |
| ALLISON WALKER3 | 10 RED BARN CIRCLE SCARBOROUGH, ME 04074 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $65 | $0 | $65 | 0.78% |
| PARTICIA B. GARDNER3 | 35 VILLAGEWOODS CIRLCE GORHAM, ME 04038 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $17 | $0 | $17 | 0.20% |
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 | 177 | 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) | 177 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 228 | $2.4M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 228 | $2.4M |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 195 | $14K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 177 | $147K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 177 | $147K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 177 | $147K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 228 | $2.4M |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 177 | $155K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 228 | — |
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."
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.