| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACADIA BENEFITS INC3 Filed as: ACADIA BENEFITS INC. | 50 PORTLAND PIER STE 301 PORTLAND, ME 04101 | HARVARD PILGRIM HEALTH CARE | $16K | $5K | $22K | 2.64% |
| ACADIA BENEFITS INC3 Filed as: ACADIA BENEFITS INC. | 50 PORTLAND PIER STE 301 PORTLAND, ME 04101 | HARVARD PILGRIM HEALTH CARE | $11K | $4K | $14K | 2.60% |
| ACADIA BENEFITS INC3 Filed as: ACADIA BENEFITS INC. | 50 PORTLAND PIER STE 301 PORTLAND, ME 04101 | HARVARD PILGRIM HEALTH CARE | $10K | $3K | $13K | 2.49% |
| ACADIA BENEFITS INC3 Filed as: ACADIA BENEFITS INC. | 50 PORTLAND PIER STE 301 PORTLAND, ME 04101 | HARVARD PILGRIM HEALTH CARE | $8K | $3K | $10K | 2.65% |
| HPHC INSURANCE AGENCY, INC.3 | 93 WORCESTER ST. WELLESLEY HILLS, MA 02481 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 6.00% |
| ACADIA BENEFITS INC3 Filed as: ACADIA BENEFITS INC. | 50 PORTLAND PIER STE 301 PORTLAND, ME 04101 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $321 | $4K | 3.32% |
| BRIAN PAUL HEATH3 | 126 WESTERN AVE #250 AUGUSTA, ME 04330 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 3.47% |
| EMPLOYEE BENEFIT CONSULTANTS3 | C/O COLONIAL LIFE INS CO PORTLAND, ME 04101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 3.10% |
| JAC MICHAEL ARBOUR3 | 1 BRUNSWICK AVE GARDINER, ME 04345 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 2.97% |
| ENROLLMENT SOLUTIONS LTD3 Filed as: ENROLLMENT SOULTIONS LTD | 65 BURBANK RD SUTTON, MA 01590 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $1K | $3K | 2.76% |
| CBU BENEFITS LLC3 | 89 WATER ST HALLOWELL, ME 04347 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 1.71% |
| FLEURY ENTERPRISES INC3 Filed as: FLEURY ENTERPRISES INC. | 162 INDIAN POINT ROAD TIVERTON, RI 02878 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $44 | — | $44 | 0.04% |
| RICHARD HASKINS3 | PO BOX 362 MILLBURY, MA 01527 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 0.01% |
| ACADIA BENEFITS INC3 | 50 PORTLAND PIER SUITE 301 PORTLAND, ME 04101 | STANDARD INSURANCE COMPANY | $4K | $472 | $5K | 16.59% |
| ACADIA BENEFITS INC3 Filed as: ACADIA BENEFITS INC. | 50 PORTLAND PIER SUITE 301 PORTLAND, ME 04101 | ANTHEM HEALTH PLANS OF MAINE, INC. | $1K | — | $1K | 9.98% |
| ACADIA BENEFITS INC3 Filed as: ACADIA BENEFITS INC. | 50 PORTLAND PIER SUITE 301 PORTLAND, ME 04101 | ANTHEM LIFE INSURANCE COMPANY | $1K | — | $1K | 14.51% |
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 | 154 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 156 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts) | HARVARD PILGRIM HEALTH CARE | 100 | $2.3M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 157 | $128K |
| Vision | ANTHEM HEALTH PLANS OF MAINE, INC. | 233 | $13K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 190 | $39K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 89 | $99K |
| Other(5 contracts, 2 carriers) | HARVARD PILGRIM HEALTH CARE | 100 | $2.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 233 | — |
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.