| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACADIA BENEFITS INC3 Filed as: ACADIA BENEFITS, INC. | 111 COMMERCIAL STREET PORTLAND, ME 04101 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $10K | $10K | 0.24% |
| ACADIA BENEFITS INC3 Filed as: ACADIA BENEFITS, INC | 111 COMMERCIAL STREET PORTLAND, ME 04101 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $5K | $5K | 0.23% |
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 | 10,293 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 129 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 10,422 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 7,061 | $875K |
| Life insurance | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 10,129 | $4.2M |
| Short-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 8,896 | $1.0M |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 9,268 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,129 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.