| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACADIA BENEFITS INC3 Filed as: ACADIA BENEFITS | 50 PORTLAND PIER STE 301 PORTLAND, ME 04101 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $26K | $0 | $26K | 4.58% |
| ACADIA BENEFITS INC3 Filed as: ACADIA BENEFITS | 50 PORTLAND PIER STE 301 PORTLAND, ME 04101 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $11K | $0 | $11K | 4.48% |
| ACADIA BENEFITS INC3 Filed as: ACADIA BENEFITS | 50 PORTLAND PIER STE 301 PORTLAND, ME 04101 | RELIASTAR LIFE INSURANCE COMPANY | $4K | $0 | $4K | 4.92% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS LLC | 144 TURNPIKE RD STE 330 SOUTHBOROUGH, MA 017722123 | RELIASTAR LIFE INSURANCE COMPANY | $3K | $0 | $3K | 3.88% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS LLC | 144 TURNPIKE RD STE 330 SOUTHBOROUGH, MA 017722123 | RELIASTAR LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.39% |
| ACADIA BENEFITS INC3 Filed as: ACADIA BENEFITS | 50 PORTLAND PIER STE 301 PORTLAND, ME 04101 | VISION SERVICE PLAN | $2K | $0 | $2K | 3.10% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DELTA DENTAL PLAN OF VERMONT, INC. EIN 03-0219391 DENTAL CLAIMS PROCESSING | Claims processing Service code 12 | — | $28K |
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 | 365 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 368 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 747 | $577K |
| Vision | VISION SERVICE PLAN | 323 | $74K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 486 | $81K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 459 | $235K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 747 | $577K |
| Other | RELIASTAR LIFE INSURANCE COMPANY | 486 | $81K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 747 | — |
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.