| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CLARK INSURANCE3 | 2385 CONGRESS STREET PO BOX 3543 PORTLAND, ME 04104 | HPHC INSURANCE COMPANY | $24K | $0 | $24K | 2.86% |
| CLARK INSURANCE3 | A MARSH MCLENNAN AGENCY LLC PO BOX 3543 PORTLAND, ME 04104 | HPHC INSURANCE COMPANY | $4K | $0 | $4K | 0.50% |
| CLARK INSURANCE3 | 2385 CONGRESS STREET PO BOX 3543 PORTLAND, ME 04104 | HPHC INSURANCE COMPANY | $24K | $0 | $24K | 2.95% |
| CLARK INSURANCE3 Filed as: CLARK INSURANCE, | A MARSH MCLENNAN AGENCY LLC PO BOX 3543 PORTLAND, ME 04104 | HPHC INSURANCE COMPANY | $4K | $0 | $4K | 0.51% |
| CLARK INSURANCE3 | 2385 CONGRESS STREET PO BOX 3543 PORTLAND, ME 04104 | HPHC INSURANCE COMPANY | $16K | $0 | $16K | 2.81% |
| CLARK INSURANCE3 | A MARSH MCLENNAN AGENCY LLC PO BOX 3543 PORTLAND, ME 04104 | HPHC INSURANCE COMPANY | $3K | $0 | $3K | 0.49% |
| CLARK INSURANCE3 | 1945 CONGRESS ST BUILDING A PO BOX 3543 PORTLAND, ME 041043543 | DELTA DENTAL PLAN OF MAINE | $4K | $0 | $4K | 2.51% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE SUITE 401 BOSTON, MA 02199 | DELTA DENTAL PLAN OF MAINE | $1K | $0 | $1K | 0.86% |
| CLARK INSURANCE3 | 2385 CONGRESS STREET PO BOX 3543 PORTLAND, ME 04104 | HPHC INSURANCE COMPANY | $2K | $0 | $2K | 3.01% |
| CLARK INSURANCE3 Filed as: CLARK INSURANCE, | A MARSH MCLENNAN AGENCY LLC PO BOX 3543 PORTLAND, ME 04104 | HPHC INSURANCE COMPANY | $350 | $0 | $350 | 0.52% |
| CLARK INSURANCE3 | 2385 CONGRESS STREET, PO BOX 3543 PORTLAND, ME 04104 | HPHC INSURANCE COMPANY | $1K | $0 | $1K | 2.87% |
| CLARK INSURANCE3 Filed as: CLARK INSURANCE, | A MARSH MCLENNAN AGENCY LLC PO BOX 3543 PORTLAND, ME 04104 | HPHC INSURANCE COMPANY | $260 | $0 | $260 | 0.50% |
| CLARK INSURANCE3 | 1945 CONGRESS ST BUILDING A PO BOX 3543 PORTLAND, ME 041043543 | RED TREE INSURANCE COMPANY, INC. | $2K | $0 | $2K | 7.45% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE SUITE 401 BOSTON, MA 02199 | RED TREE INSURANCE COMPANY, INC. | $529 | $0 | $529 | 2.56% |
| COMBINED SERVICES LLC3 | DBA CSONE BENEFIT SOLUTIONS PO BOX 1320 CONCORD, NH 033021320 | RED TREE INSURANCE COMPANY, INC. | $310 | $0 | $310 | 1.50% |
| CLARK INSURANCE3 | 2385 CONGRESS STREET PO BOX 3543 PORTLAND, ME 04104 | HPHC INSURANCE COMPANY | $443 | $0 | $443 | 2.40% |
| CLARK INSURANCE3 Filed as: CLARK INSURANCE, | A MARSH MCLENNAN AGENCY LLC PO BOX 3543 PORTLAND, ME 04104 | HPHC INSURANCE COMPANY | $77 | $0 | $77 | 0.42% |
| MARSH & MCLENNAN AGENCY LLC3 | DBA CLARK INSURANCE PORTLAND, ME 04104 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $223 | $2K | 9.02% |
| PETER MICHAEL FOLEY JR3 | 30 GROVESIDE RD PORTLAND, ME 04102 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $552 | $114 | $666 | 3.93% |
| ROBERT T WALKER3 | 10 RED BARN CIRCLE SCARBOROUGH, ME 04074 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $325 | $40 | $365 | 2.15% |
| GUY W ZIRIAK3 | 10 PINEWOOD DR. AMHERST, NH 03031 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $343 | $0 | $343 | 2.02% |
| CLARK INSURANCE3 | PO BOX 3543 PORTLAND, ME 04104 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $291 | $0 | $291 | 1.72% |
| CHRISTOPHER MANZI3 | 400 COLONIAL DRIVE IPSWICH, MA 01938 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $132 | $66 | $198 | 1.17% |
| JEFFREY MCLAUGHLIN3 | 108 STATE ST BANGOR, ME 04401 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $26 | $133 | $159 | 0.94% |
| GIANNI RICHIO3 | 18 RICKER CIRLCE SOUTH HAMILTON, MA 01982 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $151 | $2 | $153 | 0.90% |
| ALLISION WALKER3 | 10 RED BARN CIRCLE SCARBOROUGH, ME 04074 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $123 | $0 | $123 | 0.73% |
| JAMES A. THOMPSON3 Filed as: JAMES A THOMPSON | 299 COLBY RD WEARE, NH 03281 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $88 | $0 | $88 | 0.52% |
| AFFORABLE BENEFITS SOLUTIONS INC3 | 401 CUMBERLAND AVENUE PORTLAND, ME 04101 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $61 | $0 | $61 | 0.36% |
| EMPLOYEE BENEFIT CONSULTANTS3 | C/O COLONIAL LIFE INS CO PORTLAND, ME 04101 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $48 | $0 | $48 | 0.28% |
| JASON SCZEPANIAK3 Filed as: JASON C SHAPIRO | 41 BRENTON ST LITCHFIELD, NH 03052 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $12 | $4 | $16 | 0.09% |
| PATRICIA B GARDNER3 Filed as: PATRICIA B GARNER | 35 VILLAGEWOODS CIRCLE GORHAM, ME 04038 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5 | $0 | $5 | 0.03% |
| J KING INSURANCE INC3 | 50 MAIN STREET EAST GREENWICH, RI 02818 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5 | $0 | $5 | 0.03% |
| PETER R MARTEL3 | 19 HIGHLAND CLIFF ROAD WINDHAM, ME 04062 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.01% |
| LAUREN SEUBERT3 | 50 MAIN STREET EAST GREENWICH, RI 02818 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.01% |
| JAMES R SMITH INSURANCE LTD3 | 50 MAIN STREET EAST GREENWICH, RI 02818 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.01% |
| DB INSURANCE INC3 | 23 FRANKLIN STREET SALEM, MA 01970 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| CLARK INSURANCE3 Filed as: CLARK INSURANCE, | A MARSH MCLENNAN AGENCY LLC PO BOX 3543 PORTLAND, ME 04104 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $929 | $137 | $1K | 11.48% |
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 | 337 | 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) | 337 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts) | HPHC INSURANCE COMPANY | 150 | $2.4M |
| Dental | DELTA DENTAL PLAN OF MAINE | 549 | $154K |
| Vision | RED TREE INSURANCE COMPANY, INC. | 451 | $21K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 331 | $26K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 331 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 549 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.