| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACADIA BENEFITS INC3 | 50 PORTLAND PIER STE 301 PORTLAND, ME 04101 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $138K | $138K | 1.00% |
| ACADIA BENEFITS INC3 | 50 PORTLAND PIER STE 301 PORTLAND, ME 04101 | DELTA DENTAL PLAN OF MAINE | $19K | $0 | $19K | 3.16% |
| ACADIA BENEFITS INC3 | 50 PORTLAND PIER STE 301 PORTLAND, ME 04101 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $15K | $6K | $20K | 6.99% |
| ACADIA BENEFITS INC3 | 50 PORTLAND PIER STE 301 PORTLAND, ME 04101 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | $4K | $14K | 6.86% |
| ACADIA BENEFITS INC3 | 50 PORTLAND PIER STE 301 PORTLAND, ME 04101 | RED TREE INSURANCE COMPANY, INC. | $6K | $0 | $6K | 10.74% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES LLC DBA CSONE | PO BOX 1320 CONCORD, NH 033021320 | RED TREE INSURANCE COMPANY, INC. | $861 | $0 | $861 | 1.61% |
| ACADIA BENEFITS INC3 | 50 PORTLAND PIER STE 301 PORTLAND, ME 04101 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | -$5K | $1K | -$4K | -14.91% |
| ACADIA BENEFITS INC3 | 50 PORTLAND PIER STE 301 PORTLAND, ME 04101 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $48 | $19 | $67 | 6.91% |
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 | 585 | 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) | 585 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 591 | $13.8M |
| Dental | DELTA DENTAL PLAN OF MAINE | 1,318 | $588K |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 778 | $13.9M |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 702 | $290K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 21 | $970 |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 521 | $198K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,318 | — |
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.