| 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 | $21K | — | $21K | 3.42% |
| ACADIA BENEFITS INC3 Filed as: ACADIA BENEFITS INC. | 111 COMMERCIAL ST., 5TH FLR PORTLAND, ME 04101 | HARVARD PILGRIM HEALTH CARE | $16K | — | $16K | 3.28% |
| ACADIA BENEFITS INC3 Filed as: ACADIA BENEFITS INC. | 111 COMMERCIAL ST., 5TH FLR PORTLAND, ME 04101 | HARVARD PILGRIM HEALTH CARE | $5K | — | $5K | 3.29% |
| HPHC INSURANCE AGENCY, INC.3 | 93 WORCESTER ST. WELLESLEY, MA 02481 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 6.00% |
| ACADIA BENEFITS INC3 Filed as: ACADIA BENEFITS INC. | 111 COMMERCIAL ST., 5TH FLR PORTLAND, ME 04101 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 3.58% |
| BULFINCH GROUP INSURANCE AGENCY3 Filed as: BULFINCH GROUP INSURANCE AGENCY LLC | 140 KENDRICK ST. NEEDHAM HEIGHTS, MA 02494 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $258 | — | $258 | 0.27% |
| EMPLOYEE BENEFIT CONSULTANTS3 | C/O COLONIAL LIFE INS CO PORTLAND, ME 04101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $1 | $6K | 5.83% |
| BRIAN PAUL HEATH3 | 126 WESTERN AVE AUGUSTA, ME 04330 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 3.82% |
| JAC MICHAEL ARBOUR3 | 77 WATER STREET HALLOWELL, ME 04347 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 2.75% |
| ENROLLMENT SOLUTIONS LTD3 Filed as: ENROLLMENT SOLUTIONS LTD. | 65 BURBANK RD. SUTTON, MA 01590 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $852 | $2K | 2.27% |
| CBU BENEFITS LLC3 | 89 WATER ST HALLOWELL, ME 04347 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 1.60% |
| FLEURY ENTERPRISES INC3 | 162 INDIAN POINT RD TIVERTON, RI 02787 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $56 | — | $56 | 0.06% |
| RICHARD HASKINS3 | 22 WEST STREET MILLBURY, MA 01527 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | — | $24 | 0.03% |
| MARC OUELLET3 | 4 PAUL STREET KITTERY, ME 03904 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.02% |
| JOAN C KROEHLER3 | 35 3RD STREET BANGOR, ME 04401 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.01% |
| ACADIA BENEFITS INC3 Filed as: ACADIA BENEFITS INC. | 111 COMMERCIAL ST., 5TH FLR PORTLAND, ME 04101 | HARVARD PILGRIM HEALTH CARE | $3K | — | $3K | 3.32% |
| ACADIA BENEFITS INC3 Filed as: ACADIA BENEFITS INC. | 111 COMMERCIAL ST., 5TH FLR PORTLAND, ME 04101 | ANTHEM LIFE INSURANCE COMPANY | $4K | — | $4K | 14.39% |
| ACADIA BENEFITS INC3 Filed as: ACADIA BENEFITS INC. | 111 COMMERCIAL ST. 5TH FLR PORTLAND, ME 04101 | ANTHEM HEALTH PLANS OF MAINE, INC. | $1K | — | $1K | 10.13% |
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 | 201 | 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) | 201 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts) | HARVARD PILGRIM HEALTH CARE | 124 | $1.3M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 149 | $96K |
| Vision | ANTHEM HEALTH PLANS OF MAINE, INC. | 226 | $12K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 201 | $30K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 103 | $96K |
| Long-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 103 | $96K |
| Other(5 contracts, 2 carriers) | HARVARD PILGRIM HEALTH CARE | 201 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 226 | — |
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.