| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CLARK INSURANCE3 Filed as: CLARK INSURANCE, | A MARSH MCLENNAN AGENCY LLC PO BOX 3543, 1945 CONGRESS ST PORTLAND, ME 04104 | HARVARD PILGRIM HEALTH CARE | $14K | $2K | $16K | 2.97% |
| CLARK INSURANCE3 Filed as: CLARK INSURANCE, | A MARSH MCLENNAN AGENCY LLC PO BOX 3543, 1945 CONGRESS ST PORTLAND, ME 04104 | HARVARD PILGRIM HEALTH CARE | $13K | $2K | $15K | 3.80% |
| CLARK INSURANCE3 Filed as: CLARK INSURANCE, | A MARSH MCLENNAN AGENCY LLC PO BOX 3543, 1945 CONGRESS ST PORTLAND, ME 04104 | HARVARD PILGRIM HEALTH CARE | $4K | $547 | $5K | 3.67% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE SUITE 401 BOSTON, MA 02199 | DELTA DENTAL PLAN OF MAINE | $3K | $0 | $3K | 5.09% |
| COMBINED SERVICES LLC3 | DBA CSONE BENEFIT SOLUNTIONS PO BOX 1320 CONCORD, NH 033021320 | DELTA DENTAL PLAN OF MAINE | $56 | $0 | $56 | 0.08% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE STE 401 BOSTON, MA 02199 | RED TREE INSURANCE COMPANY, INC. | $795 | $0 | $795 | 10.11% |
| COMBINED SERVICES LLC3 | DBA CSONE BENEFIT SOLUTIONS PO BOX 1320 CONCORD, NH 033021320 | RED TREE INSURANCE COMPANY, INC. | $119 | $0 | $119 | 1.51% |
| CLARK INSURANCE3 Filed as: CLARK INSURANCE, | A MARSH MCLENNAN AGENCY LLC PO BOX 3543, 1945 CONGRESS ST PORTLAND, ME 04104 | HARVARD PILGRIM HEALTH CARE | $151 | $18 | $169 | 3.84% |
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 | 150 | 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) | 150 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts) | HARVARD PILGRIM HEALTH CARE | 68 | $1.1M |
| Dental | DELTA DENTAL PLAN OF MAINE | 150 | $69K |
| Vision | RED TREE INSURANCE COMPANY, INC. | 124 | $8K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 99 | $104K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 99 | $104K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 99 | $104K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 99 | $104K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 150 | — |
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.