| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOMBARD BENEFITS GROUP, INC. | 24 COLE FIELD ROAD CAPE ELIZABETH, ME 04107 | HARVARD PILGRIM HEALTH CARE | $31K | — | $31K | 2.90% |
| ACADIA BENEFITS INC Filed as: ACADIA BENEFITS, INC. | 111 COMMERCIAL STREET, 5TH FLOOR PORTLAND, ME 04101 | HARVARD PILGRIM HEALTH CARE | $3K | — | $3K | 0.26% |
| LOMBARD BENEFITS GROUP, INC. | 24 COLE FIELD ROAD CAPE ELIZABETH, ME 04107 | HARVARD PILGRIM HEALTH CARE | $7K | — | $7K | 2.81% |
| ACADIA BENEFITS INC Filed as: ACADIA BENEFITS, INC. | 111 COMMERCIAL STREET, 5TH FLOOR PORTLAND, ME 04101 | HARVARD PILGRIM HEALTH CARE | $609 | — | $609 | 0.25% |
| LOMBARD BENEFITS GROUP, INC. | 24 COLE FIELD ROAD CAPE ELIZABETH, ME 04107 | UNUM LIFE INSURANCE COMPANY | $7K | — | $7K | 7.31% |
| ACADIA BENEFITS INC Filed as: ACADIA BENEFITS | 111 COMMERCIAL STREET, 5TH FLOOR PORTLAND, ME 04101 | UNUM LIFE INSURANCE COMPANY | $167 | — | $167 | 0.18% |
| COMBINED INSURANCE SVCS OF N FL INC Filed as: COMBINE SERVICES LLS | P.O. BOX 1320 CONCORD, NH 03302 | NORTHEAST DELTA DENTAL | $996 | — | $996 | 1.11% |
| ACADIA BENEFITS INC Filed as: ACADIA BENEFITS, INC. | 111 COMMERCIAL STREET, 5TH FLOOR PORTLAND, ME 04101 | NORTHEAST DELTA DENTAL | $328 | — | $328 | 0.37% |
| LOMBARD BENEFITS GROUP, INC. | 24 COLE FIELD ROAD CAPE ELIZABETH, ME 04107 | HARVARD PILGRIM HEALTH CARE | $176 | — | $176 | 2.90% |
| ACADIA BENEFITS INC Filed as: ACADIA BENEFITS, INC. | 111 COMMERCIAL STREET, 5TH FLOOR PORTLAND, ME 04101 | HARVARD PILGRIM HEALTH CARE | $16 | — | $16 | 0.26% |
| LOMBARD BENEFITS GROUP, INC. | 24 COLE FIELD ROAD CAPE ELIZABETH, ME 04107 | HPHC INSURANCE COMPANY | $143 | — | $143 | 2.89% |
| ACADIA BENEFITS INC Filed as: ACADIA BENEFITS, INC. | 111 COMMERCIAL STREET, 5TH FLOOR PORTLAND, ME 04101 | HPHC INSURANCE COMPANY | $13 | — | $13 | 0.26% |
| COMBINED SERVICES LLC | P.O. BOX 1320 CONCORD, NH 03302 | RED TREE INSURANCE COMPANY, INC. | $157 | — | $157 | — |
| ACADIA BENEFITS INC Filed as: ACADIA BENEFITS, INC. | 111 COMMERCIAL STREET, 5TH FLOOR PORTLAND, ME 04101 | RED TREE INSURANCE COMPANY, INC. | $88 | — | $88 | — |
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 | 136 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 136 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | HARVARD PILGRIM HEALTH CARE | 109 | $1.3M |
| Dental | NORTHEAST DELTA DENTAL | 251 | $90K |
| Vision | RED TREE INSURANCE COMPANY, INC. | 219 | $0 |
| Life insurance | UNUM LIFE INSURANCE COMPANY | 139 | $93K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY | 139 | $93K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY | 139 | $93K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 251 | — |
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.