| 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 | $22K | — | $22K | 3.70% |
| ACADIA BENEFITS INC3 Filed as: ACADIA BENEFITS INC. | 111 COMMERCIAL ST. PORTLAND, ME 04101 | HPHC INSURANCE COMPANY | $13K | — | $13K | 3.74% |
| ACADIA BENEFITS INC3 Filed as: ACADIA BENEFITS INC. | 111 COMMERCIAL ST. PORTLAND, ME 04101 | HARVARD PILGRIM HEALTH CARE | $8K | — | $8K | 3.68% |
| ACADIA BENEFITS INC3 Filed as: ACADIA BENEFITS INC. | 111 COMMERCIAL ST. PORTLAND, ME 04101 | HARVARD PILGRIM HEALTH CARE | $5K | — | $5K | 3.67% |
| ACADIA BENEFITS INC3 Filed as: ACADIA BENEFITS INC. | 111 COMMERCIAL ST. PORTLAND, ME 04101 | ANTHEM HEALTH PLANS OF MAINE, INC. | $4K | — | $4K | 3.24% |
| EMPLOYEE BENEFIT CONSULTANTS3 | C/O COLONIAL LIFE INS CO PORTLAND, ME 04101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14K | $1K | $15K | 13.91% |
| MARC OUELLET3 | 4 PAUL STREET KITTERY, ME 03904 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $190 | — | $190 | 0.18% |
| DAVID L FLEURY3 Filed as: DAVID L. FLEURY | 545 SOUTH WATER ST. PROVIDENCE, RI 02903 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $66 | — | $66 | 0.06% |
| RICHARD HASKINS3 | 22 WEST STREET MILLBURY, MA 01527 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $30 | — | $30 | 0.03% |
| JOAN C KROEHLER3 | 35 3RD STREET BANGOR, ME 04401 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.01% |
| ACADIA BENEFITS INC3 Filed as: ACADIA BENEFITS INC. | 111 COMMERCIAL ST. PORTLAND, ME 04101 | ANTHEM LIFE INSURANCE COMPANY | $4K | — | $4K | 13.28% |
| ACADIA BENEFITS INC3 Filed as: ACADIA BENEFITS INC. | 111 COMMERCIAL ST. PORTLAND, ME 04101 | ANTHEM HEALTH PLANS OF MAINE, INC. | $1K | — | $1K | 9.14% |
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 | 194 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 194 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | HARVARD PILGRIM HEALTH CARE | 123 | $1.3M |
| Dental | ANTHEM HEALTH PLANS OF MAINE, INC. | 147 | $112K |
| Vision | ANTHEM HEALTH PLANS OF MAINE, INC. | 222 | $13K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 217 | $138K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 115 | $108K |
| Long-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 115 | $108K |
| Prescription drug(4 contracts, 2 carriers) | HARVARD PILGRIM HEALTH CARE | 123 | $1.3M |
| Other | ANTHEM LIFE INSURANCE COMPANY | 217 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 222 | — |
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.