| 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 | $32K | — | $32K | 3.44% |
| ACADIA BENEFITS INC3 Filed as: ACADIA BENEFITS INC. | 111 COMMERCIAL ST., 5TH FLR PORTLAND, ME 04101 | HARVARD PILGRIM HEALTH CARE | $20K | — | $20K | 3.37% |
| ACADIA BENEFITS INC3 Filed as: ACADIA BENEFITS INC. | 111 COMMERCIAL ST., 5TH FLR PORTLAND, ME 04101 | HARVARD PILGRIM HEALTH CARE | $8K | — | $8K | 3.31% |
| HPHC INSURANCE AGENCY, INC.3 | 93 WORCESTER ST. WELLESLEY HILLS, MA 02481 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 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 | $4K | $2K | $6K | 4.90% |
| BRIAN PAUL HEATH3 | 126 WESTERN AVE AUGUSTA, ME 04330 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 4.40% |
| EMPLOYEE BENEFIT CONSULTANTS3 | C/O COLONIAL LIFE INS CO PORTLAND, ME 04101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 4.12% |
| ENROLLMENT SOLUTIONS LTD3 Filed as: ENROLLMENT SOULTIONS LTD | 65 BURBANK RD SUTTON, MA 01590 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $2K | $3K | 3.49% |
| JAC MICHAEL ARBOUR3 | 77 WATER STREET HALLOWELL, ME 04347 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 3.30% |
| CBU BENEFITS LLC3 | 89 WATER ST HALLOWELL, ME 04347 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 1.93% |
| FLURY ENTERPRISES INC.3 | 162 INDIAN POINT ROAD TIVERTON, RI 02878 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $49 | — | $49 | 0.05% |
| RICHARD HASKINS3 | 22 WEST STREET MILLBURY, MA 01527 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 0.02% |
| ACADIA BENEFITS INC3 Filed as: ACADIA BENEFITS INC. | 111 COMMERCIAL ST., 5TH FLR PORTLAND, ME 04101 | HARVARD PILGRIM HEALTH CARE | $1K | — | $1K | 3.35% |
| ACADIA BENEFITS INC3 Filed as: ACADIA BENEFITS INC. | 50 PORTLAND PIER SUITE 301 PORTLAND, ME 04101 | ANTHEM LIFE INSURANCE COMPANY | $5K | — | $5K | 14.90% |
| ACADIA BENEFITS INC3 Filed as: ACADIA BENEFITS INC. | 50 PORTLAND PIER SUITE 301 PORTLAND, ME 04101 | ANTHEM HEALTH PLANS OF MAINE, INC. | $1K | — | $1K | 10.31% |
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 | 147 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 148 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts) | HARVARD PILGRIM HEALTH CARE | 149 | $1.8M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 150 | $113K |
| Vision | ANTHEM HEALTH PLANS OF MAINE, INC. | 209 | $12K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 180 | $34K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 99 | $97K |
| Long-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 99 | $97K |
| Other(5 contracts, 2 carriers) | HARVARD PILGRIM HEALTH CARE | 180 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 209 | — |
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."
No prospect flags tripped on this filing.