| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CLARK INSURANCE3 Filed as: CLARK INSURANCE, | A MARSH MCLENNAN AGENCY LLC PO BOX 3543 PORTLAND, ME 04104 | HPHC INSURANCE COMPANY | $26K | $0 | $26K | 2.68% |
| CLARK INSURANCE3 | 2385 CONGRESS STREET PO BOX 3543 PORTLAND, ME 04104 | HPHC INSURANCE COMPANY | $0 | $7K | $7K | 0.70% |
| CLARK INSURANCE3 | A MARSH MCLENNAN AGENCY LLC PO BOX 3543 PORTLAND, ME 04104 | HPHC INSURANCE COMPANY | $18K | $0 | $18K | 2.31% |
| CLARK INSURANCE3 | 2385 CONGRESS STREET PO BOX 3543 PORTLAND, ME 04104 | HPHC INSURANCE COMPANY | $0 | $5K | $5K | 0.60% |
| CLARK INSURANCE3 Filed as: CLARK INSURANCE, | A MARSH MCLENNAN AGENCY LLC PO BOX 3543 PORTLAND, ME 04104 | HPHC INSURANCE COMPANY | $17K | $0 | $17K | 2.62% |
| CLARK INSURANCE3 | 2385 CONGRESS STREET, PO BOX 3543 PORTLAND, ME 04104 | HPHC INSURANCE COMPANY | $0 | $4K | $4K | 0.68% |
| CLARK INSURANCE3 | A MARSH MCLENNAN AGENCY LLC PO BOX 3543 PORTLAND, ME 04104 | HPHC INSURANCE COMPANY | $9K | $0 | $9K | 2.27% |
| CLARK INSURANCE3 | 2385 CONGRESS STREET PO BOX 3543 PORTLAND, ME 04104 | HPHC INSURANCE COMPANY | $0 | $2K | $2K | 0.59% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE SUITE 401 BOSTON, MA 02199 | DELTA DENTAL PLAN OF MAINE | $6K | $0 | $6K | 3.04% |
| CLARK INSURANCE3 Filed as: CLARK INSURANCE, | A MARSH MCLENNAN AGENCY LLC PO BOX 3543 PORTLAND, ME 04104 | HPHC INSURANCE COMPANY | $2K | $0 | $2K | 2.26% |
| CLARK INSURANCE3 | 2385 CONGRESS STREET PO BOX 3543 PORTLAND, ME 04104 | HPHC INSURANCE COMPANY | $0 | $450 | $450 | 0.59% |
| CLARK INSURANCE3 Filed as: CLARK INSURANCE, | A MARSH MCLENNAN AGENCY LLC PO BOX 3543 PORTLAND, ME 04104 | HPHC INSURANCE COMPANY | $2K | $0 | $2K | 2.78% |
| CLARK INSURANCE3 | 2385 CONGRESS STREET, PO BOX 3543 PORTLAND, ME 04104 | HPHC INSURANCE COMPANY | $0 | $520 | $520 | 0.72% |
| CLARK INSURANCE3 Filed as: CLARK INSURANCE, | A MARSH MCLENNAN AGENCY LLC PO BOX 3543 PORTLAND, ME 04104 | HPHC INSURANCE COMPANY | $2K | $0 | $2K | 2.39% |
| CLARK INSURANCE3 | 2385 CONGRESS STREET PO BOX 3543 PORTLAND, ME 04104 | HPHC INSURANCE COMPANY | $0 | $408 | $408 | 0.62% |
| CLARK INSURANCE3 Filed as: CLARK INSURANCE, | A MARSH MCLENNAN AGENCY LLC PO BOX 3543 PORTLAND, ME 04104 | HPHC INSURANCE COMPANY | $1K | $0 | $1K | 2.63% |
| CLARK INSURANCE3 | 2385 CONGRESS STREET, PO BOX 3543 PORTLAND, ME 04104 | HPHC INSURANCE COMPANY | $0 | $328 | $328 | 0.68% |
| MARSH & MCLENNAN AGENCY LLC3 | DBA CLARK INSURANCE PORTLAND, ME 04104 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $881 | $6K | 19.79% |
| PETER MICHAEL FOLEY JR3 | 30 GROVESIDE RD PORTLAND, ME 04102 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $67 | $2K | 7.09% |
| GUY W ZIRIAK3 | 10 PINEWOOD DR. AMHERST, NH 03031 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 4.09% |
| ROBERT T WALKER3 | 10 RED BARN CIRCLE SCARBOROUGH, ME 04074 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $603 | $319 | $922 | 3.30% |
| GIANNI RICHIO3 | 18 RICKER CIRLCE SOUTH HAMILTON, MA 01982 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $905 | $0 | $905 | 3.24% |
| CHRISTOPHER MANZI3 | 400 COLONIAL DRIVE IPSWICH, MA 01938 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $598 | $27 | $625 | 2.24% |
| JEFFREY MCLAUGHLIN3 | 108 STATE ST, STE 1 BANGOR, ME 04401 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $117 | $372 | $489 | 1.75% |
| CLARK INSURANCE3 | PO BOX 3543 PORTLAND, ME 04104 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $291 | $0 | $291 | 1.04% |
| JASON SCZEPANIAK3 Filed as: JASON C SHAPIRO | 41 BRENTON ST LITCHFIELD, NH 03052 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $53 | $23 | $76 | 0.27% |
| ALLISION WALKER3 | 10 RED BARN CIRCLE SCARBOROUGH, ME 04074 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $56 | $0 | $56 | 0.20% |
| JAMES A. THOMPSON3 Filed as: JAMES A THOMPSON | 299 COLBY RD WEARE, NH 03281 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $40 | $0 | $40 | 0.14% |
| AFFORABLE BENEFITS SOLUTIONS INC3 | 401 CUMBERLAND AVENUE PORTLAND, ME 04101 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $29 | $0 | $29 | 0.10% |
| EMPLOYEE BENEFIT CONSULTANTS3 | C/O COLONIAL LIFE INS CO PORTLAND, ME 04101 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $23 | $0 | $23 | 0.08% |
| J KING INSURANCE INC3 | 50 MAIN STREET EAST GREENWICH, RI 02818 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $16 | $0 | $16 | 0.06% |
| PETER R MARTEL3 | 19 HIGHLAND CLIFF ROAD WINDHAM, ME 04062 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | 0.01% |
| LAURIE SEUBERT3 | 50 MAIN STREET, STE 200 EAST GREENWICH, RI 02818 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | 0.01% |
| PATRICIA B GARDNER3 Filed as: PATRICIA B GARNER | 35 VILLAGE WOODS CIRCLE GORHAM, ME 04038 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.01% |
| JAMES R SMITH INSURANCE LTD3 | 50 MAIN STREET EAST GREENWICH, RI 02818 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.01% |
| DB INSURANCE INC3 | 23 FRANKLIN STREET SALEM, MA 01970 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE SUITE 401 BOSTON, MA 02199 | RED TREE INSURANCE COMPANY, INC. | $2K | $0 | $2K | 9.76% |
| COMBINED SERVICES LLC3 | DBA CSONE BENEFIT SOLUTIONS PO BOX 1320 CONCORD, NH 033021320 | RED TREE INSURANCE COMPANY, INC. | $373 | $0 | $373 | 1.47% |
| CLARK INSURANCE3 Filed as: CLARK INSURANCE, | A MARSH MCLENNAN AGENCY LLC PO BOX 3543 PORTLAND, ME 04104 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $489 | $3K | 14.61% |
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 | 423 | 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) | 423 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(8 contracts) | HPHC INSURANCE COMPANY | 159 | $3.1M |
| Dental | DELTA DENTAL PLAN OF MAINE | 597 | $182K |
| Vision | RED TREE INSURANCE COMPANY, INC. | 477 | $25K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 380 | $46K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 380 | $18K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 380 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 597 | — |
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.