| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACADIA BENEFITS INC3 Filed as: ACADIA BENEFITS INC. | 111 COMMERCIAL ST., 5TH FLR PORTLAND, ME 04101 | HARVARD PILGRIM HEALTH CARE | $20K | — | $20K | 3.61% |
| ACADIA BENEFITS INC3 Filed as: ACADIA BENEFITS INC. | 111 COMMERCIAL ST., 5TH FLR PORTLAND, ME 04101 | HPHC INSURANCE COMPANY | $13K | — | $13K | 3.56% |
| ACADIA BENEFITS INC3 Filed as: ACADIA BENEFITS INC. | 111 COMMERCIAL ST., 5TH FLR PORTLAND, ME 04101 | HARVARD PILGRIM HEALTH CARE | $8K | — | $8K | 3.51% |
| ACADIA BENEFITS INC3 Filed as: ACADIA BENEFITS INC. | 111 COMMERCIAL ST., 5TH FLR PORTLAND, ME 04101 | HARVARD PILGRIM HEALTH CARE | $6K | — | $6K | 3.58% |
| EMPLOYEE BENEFIT CONSULTANTS3 | C/O COLONIAL LIFE INS CO PORTLAND, ME 04101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $440 | $8K | 7.64% |
| BRIAN PAUL HEATH3 | 126 WESTERN AVE AUGUSTA, ME 04330 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 3.25% |
| JAC MICHAEL ARBOUR3 | 77 WATER STREET HALLOWELL, ME 04347 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 2.36% |
| ENROLLMENT SOLUTIONS LTD3 Filed as: ENROLLMENT SOLUTIONS LTD. | 65 BURBANK RD. SUTTON, MA 01590 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $1K | $2K | 2.28% |
| CBU BENEFITS LLC3 | 89 WATER ST HALLOWELL, ME 04347 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 1.40% |
| MARC OUELLET3 | 4 PAUL STREET KITTERY, ME 03904 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $163 | — | $163 | 0.16% |
| FLEURY ENTERPRISES INC3 | 162 INDIAN POINT RD TIVERTON, RI 02787 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $50 | — | $50 | 0.05% |
| RICHARD HASKINS3 | 22 WEST STREET MILLBURY, MA 01527 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | — | $24 | 0.02% |
| JOAN C KROEHLER3 | 35 3RD STREET BANGOR, ME 04401 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.01% |
| DAVID L FLEURY3 Filed as: DAVID L. FLEURY | 162 INDIAN POINT RD TIVERTON, RI 02878 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| ACADIA BENEFITS INC3 Filed as: ACADIA BENEFITS INC. | 111 COMMERCIAL ST., 5TH FLR PORTLAND, ME 04101 | AMERITAS LIFE INSURANCE CORP. | $3K | — | $3K | 3.26% |
| ACADIA BENEFITS INC3 Filed as: ACADIA BENEFITS INC. | 111 COMMERCIAL ST., 5TH FLR PORTLAND, ME 04101 | ANTHEM LIFE INSURANCE COMPANY | $4K | — | $4K | 13.04% |
| ACADIA BENEFITS INC3 Filed as: ACADIA BENEFITS INC. | 111 COMMERCIAL ST. 5TH FLR PORTLAND, ME 04101 | ANTHEM HEALTH PLANS OF MAINE, INC. | $1K | — | $1K | 9.97% |
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 | 205 | 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) | 205 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | HARVARD PILGRIM HEALTH CARE | 88 | $1.3M |
| Dental | AMERITAS LIFE INSURANCE CORP. | 325 | $97K |
| Vision(2 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORP. | 325 | $109K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 205 | $28K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 108 | $99K |
| Long-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 108 | $99K |
| Prescription drug(4 contracts, 2 carriers) | HARVARD PILGRIM HEALTH CARE | 88 | $1.3M |
| Other | ANTHEM LIFE INSURANCE COMPANY | 205 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 325 | — |
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.