| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SCOTT MCKEE3 | ACADIA BENEFITS INC 111 COMMERCIAL STREET PORTLAND, ME 04101 | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC. | $210K | — | $210K | 3.59% |
| SCOTT MCKEE3 | ACADIA BENEFITS INC 111 COMMERCIAL STREET PORTLAND, ME 04101 | DELTA DENTAL OF NEW YORK | $35K | — | $35K | 4.00% |
| SCOTT MCKEE3 | ACADIA BENEFITS INC 111 COMMERCIAL STREET PORTLAND, ME 04101 | SUN LIFE INSURANCE AND ANNITY COMPANY OF NEW YORK | $6K | — | $6K | 2.32% |
| SCOTT MCKEE3 | ACADIA BENEFITS INC 111 COMMERCIAL STREET PORTLAND, ME 04101 | VISION SERVICE PLAN | $4K | — | $4K | 2.13% |
| SCOTT MCKEE3 | ACADIA BENEFITS INC 111 COMMERCIAL STREET PORTLAND, ME 04101 | SUN LIFE AND HEALTH INSURANCE COMPANY | $3K | — | $3K | 3.15% |
| SCOTT MCKEE3 | ACADIA BENEFITS INC 111 COMMERCIAL STREET PORTLAND, ME 04101 | SUN LIFE INSURANCE AND ANNITY COMPANY OF NEW YORK | $2K | — | $2K | 2.02% |
| SCOTT MCKEE3 | ACADIA BENEFITS INC 111 COMMERCIAL STREET PORTLAND, ME 04101 | SUN LIFE INSURANCE AND ANNUITY COMPANY OF NEW YORK | $2K | — | $2K | 3.58% |
| SCOTT MCKEE3 | ACADIA BENEFITS INC 111 COMMERCIAL STREET PORTLAND, ME 04101 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | — | — | $0 | — |
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 | 332 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 332 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC. | 887 | $5.8M |
| Dental | DELTA DENTAL OF NEW YORK | 927 | $867K |
| Vision | VISION SERVICE PLAN | 894 | $166K |
| Life insurance | SUN LIFE INSURANCE AND ANNITY COMPANY OF NEW YORK | 332 | $278K |
| Short-term disability(2 contracts, 2 carriers) | SUN LIFE AND HEALTH INSURANCE COMPANY | 396 | $168K |
| Long-term disability | SUN LIFE INSURANCE AND ANNUITY COMPANY OF NEW YORK | 328 | $44K |
| Other | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 0 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 927 | — |
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.