| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACADIA BENEFITS INC3 Filed as: ACADIA BENEFITS INC. | 111 COMMERCIAL ST. PORTLAND, ME 04101 | HARVARD PILGRIM HEALTH CARE | $19K | — | $19K | 3.22% |
| ACADIA BENEFITS INC3 Filed as: ACADIA BENEFITS INC. | 111 COMMERCIAL ST. PORTLAND, ME 04101 | HPHC INSURANCE COMPANY | $10K | — | $10K | 3.22% |
| ACADIA BENEFITS INC3 Filed as: ACADIA BENEFITS INC. | 111 COMMERCIAL ST. PORTLAND, ME 04101 | HARVARD PILGRIM HEALTH CARE | $7K | — | $7K | 3.22% |
| ACADIA BENEFITS INC3 Filed as: ACADIA BENEFITS INC. | 111 COMMERCIAL ST. PORTLAND, ME 04101 | ANTHEM HEALTH PLANS OF MAINE, INC. | $4K | — | $4K | 3.10% |
| ACADIA BENEFITS INC3 Filed as: ACADIA BENEFITS INC. | 111 COMMERCIAL ST. PORTLAND, ME 04101 | HARVARD PILGRIM HEALTH CARE | $4K | — | $4K | 3.22% |
| EMPLOYEE BENEFIT CONSULTANTS3 | C/O COLONIAL LIFE INS CO PORTLAND, ME 04101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16K | $2K | $18K | 16.40% |
| WILLIAM MURPHY3 Filed as: WILLIAM C. MURPHY | 4 RAYMOND ROAD SANDY RIVER PLT, ME 04970 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $358 | — | $358 | 0.33% |
| MARC OUELLET3 | 4 PAUL STREET KITTERY, ME 03904 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $197 | — | $197 | 0.18% |
| DAVID L FLEURY3 Filed as: DAVID L. FLEURY | 545 SOUTH WATER ST. PROVIDENCE, RI 02903 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $70 | — | $70 | 0.07% |
| RICHARD HASKINS3 | 22 WEST STREET MILLBURY, MA 01527 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $31 | — | $31 | 0.03% |
| JOAN C KROEHLER3 | 35 3RD STREET BANGOR, ME 04401 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.00% |
| ACADIA BENEFITS INC3 Filed as: ACADIA BENEFITS INC. | 111 COMMERCIAL ST. PORTLAND, ME 04101 | ANTHEM LIFE INSURANCE COMPANY | $4K | — | $4K | 14.36% |
| ACADIA BENEFITS INC3 Filed as: ACADIA BENEFITS INC. | 111 COMMERCIAL ST. PORTLAND, ME 04101 | ANTHEM HEALTH PLANS OF MAINE, INC. | $1K | — | $1K | 10.01% |
| ACADIA BENEFITS INC3 Filed as: ACADIA BENEFITS INC. | 111 COMMERCIAL ST. PORTLAND, ME 04101 | HPHC INSURANCE COMPANY | $264 | — | $264 | 3.23% |
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 | 197 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 199 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | HARVARD PILGRIM HEALTH CARE | 127 | $1.2M |
| Dental | ANTHEM HEALTH PLANS OF MAINE, INC. | 156 | $124K |
| Vision | ANTHEM HEALTH PLANS OF MAINE, INC. | 221 | $13K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 216 | $136K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 113 | $107K |
| Long-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 113 | $107K |
| Prescription drug(4 contracts, 2 carriers) | HARVARD PILGRIM HEALTH CARE | 127 | $1.2M |
| Other(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 216 | $37K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 221 | — |
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.