| 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 | $18K | $2K | $20K | 3.78% |
| CLARK INSURANCE3 Filed as: CLARK INSURANCE, | A MARSH MCLENNAN AGENCY LLC PO BOX 3543, 1945 CONGRESS ST PORTLAND, ME 04104 | HARVARD PILGRIM HEALTH CARE | $8K | $977 | $9K | 4.57% |
| CLARK INSURANCE3 Filed as: CLARK INSURANCE, | A MARSH MCLENNAN AGENCY LLC PO BOX 3543, 1945 CONGRESS ST PORTLAND, ME 04104 | HARVARD PILGRIM HEALTH CARE | $6K | $724 | $7K | 3.68% |
| MARSH & MCLENNAN AGENCY LLC3 | 2385 CONGRESS STREET PORTLAND, ME 04104 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | $0 | $8K | 8.14% |
| HPHC INSURANCE AGENCY, INC.3 Filed as: HPHC INSURANCE AGENCY, INC | 93 WORCESTER STREET WELLESLEY HILL, MA 02481 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 6.00% |
| MARSH & MCLENNAN AGENCY LLC3 | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $2K | $2K | 1.82% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE SUITE 401 BOSTON, MA 02199 | DELTA DENTAL PLAN OF MAINE | $4K | $0 | $4K | 4.97% |
| COMBINED SERVICES LLC3 | DBA CSONE BENEFIT SOLUNTIONS PO BOX 1320 CONCORD, NH 033021320 | DELTA DENTAL PLAN OF MAINE | $612 | $0 | $612 | 0.85% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE STE 401 BOSTON, MA 02199 | RED TREE INSURANCE COMPANY, INC. | $755 | $0 | $755 | 9.84% |
| COMBINED SERVICES LLC3 | DBA CSONE BENEFIT SOLUTIONS PO BOX 1320 CONCORD, NH 033021320 | RED TREE INSURANCE COMPANY, INC. | $113 | $0 | $113 | 1.47% |
| CLARK INSURANCE3 Filed as: CLARK INSURANCE, | A MARSH MCLENNAN AGENCY LLC PO BOX 3543, 1945 CONGRESS ST PORTLAND, ME 04104 | HARVARD PILGRIM HEALTH CARE | $60 | $7 | $67 | 1.97% |
| CLARK INSURANCE3 Filed as: CLARK INSURANCE, | A MARSH MCLENNAN AGENCY LLC PO BOX 3543, 1945 CONGRESS ST PORTLAND, ME 04104 | HARVARD PILGRIM HEALTH CARE | $19 | $2 | $21 | 1.93% |
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 | 118 | 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) | 118 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts) | HARVARD PILGRIM HEALTH CARE | 91 | $934K |
| Dental | DELTA DENTAL PLAN OF MAINE | 171 | $72K |
| Vision | RED TREE INSURANCE COMPANY, INC. | 133 | $8K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 118 | $102K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 118 | $102K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 118 | $102K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 118 | $102K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 171 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.