| 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 | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC. | $212K | — | $212K | 2.80% |
| ACADIA BENEFITS INC3 Filed as: ACADIA BENEFITS, INC. | 50 PORTLAND PIER, SUITE 301 PORTLAND, ME 04101 | DELTA DENTAL OF NEW YORK | $47K | — | $47K | 4.00% |
| ACADIA BENEFITS INC3 Filed as: ACADIA BENEFITS, INC. | 50 PORTLAND PIER, SUITE 301 PORTLAND, ME 04101 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $0 | — | $0 | 0.00% |
| ACADIA BENEFITS INC3 Filed as: ACADIA BENEFITS, INC. | 50 PORTLAND PIER, SUITE 301 PORTLAND, ME 04101 | VISION SERVICE PLAN | $4K | — | $4K | 1.95% |
| ACADIA BENEFITS INC3 Filed as: ACADIA BENEFITS INC. | 50 PORTLAND PIER, SUITE 301 PORTLAND, ME 01401 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $0 | — | $0 | 0.00% |
| ACADIA BENEFITS INC3 Filed as: ACADIA BENEFITS, INC. | 50 PORTLAND PIER, SUITE 301 PORTLAND, ME 04101 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $0 | — | $0 | 0.00% |
| ACADIA BENEFITS INC3 Filed as: ACADIA BENEFITS, INC. | 50 PORTLAND PIER, SUITE 301 PORTLAND, ME 04101 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $0 | — | $0 | 0.00% |
| ACADIA BENEFITS INC3 Filed as: ACADIA BENEFITS, INC. | 50 PORTLAND PIER, SUITE 301 PORTLAND, ME 04101 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $312 | — | $312 | 15.02% |
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 | 367 | 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) | 367 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC. | 842 | $7.6M |
| Dental | DELTA DENTAL OF NEW YORK | 1,238 | $1.2M |
| Vision | VISION SERVICE PLAN | 1,138 | $223K |
| Life insurance(2 contracts, 2 carriers) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 367 | $274K |
| Short-term disability(2 contracts) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 1,589 | $143K |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 358 | $89K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,589 | — |
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.