| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACADIA BENEFITS INC Filed as: ACADIA BENEFITS, INC. | 111 COMMERCIAL STREET PORTLAND, ME 04101 | HARVARD PILGRIM HEALTH CARE | $24K | — | $24K | 1.77% |
| LOMBARD BENEFITS GROUP, INC. | 24 COLE FIELD ROAD CAPE ELIZABETH, ME 04107 | HARVARD PILGRIM HEALTH CARE | $17K | — | $17K | 1.27% |
| ACADIA BENEFITS INC Filed as: ACADIA BENEFITS, INC. | 111 COMMERCIAL STREET PORTLAND, ME 04101 | HARVARD PILGRIM HEALTH CARE | $4K | — | $4K | 1.74% |
| ACADIA BENEFITS INC Filed as: ACADIA BENEFITS, INC. | 111 COMMERCIAL STREET PORTLAND, ME 04101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 4.05% |
| LOMBARD BENEFITS GROUP, INC. | 24 COLE FIELD ROAD CAPE ELIZABETH, ME 04107 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 4.05% |
| ACADIA BENEFITS INC Filed as: ACADIA BENEFITS, INC. | 111 COMMERCIAL STREET PORTLAND, ME 04101 | DELTA DENTAL PLAN OF MAINE | $2K | — | $2K | 2.64% |
| LOMBARD BENEFITS GROUP, INC. | 24 COLE FIELD ROAD CAPE ELIZABETH, ME 04107 | DELTA DENTAL PLAN OF MAINE | $2K | — | $2K | 2.64% |
| COMBINED SERVICES LLC Filed as: COMBINED SERVICES, INC. | P.O. BOX 1320 CONCORD, NH 03302 | DELTA DENTAL PLAN OF MAINE | $1K | — | $1K | 1.35% |
| ACADIA BENEFITS INC Filed as: ACADIA BENEFITS, INC. | 111 COMMERCIAL STREET PORTLAND, ME 04101 | RED TREE INSURANCE COMPANY, INC. | $500 | — | $500 | 4.98% |
| LOMBARD BENEFITS GROUP, INC. | 24 COLE FIELD ROAD CAPE ELIZABETH, ME 04107 | RED TREE INSURANCE COMPANY, INC. | $500 | — | $500 | 4.98% |
| COMBINED SERVICES LLC Filed as: COMBINED SERVICES, INC. | P.O. BOX 1320 CONCORD, NH 03302 | RED TREE INSURANCE COMPANY, INC. | $150 | — | $150 | 1.50% |
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 | 140 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 140 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | HARVARD PILGRIM HEALTH CARE | 119 | $1.6M |
| Dental | DELTA DENTAL PLAN OF MAINE | 251 | $79K |
| Vision | RED TREE INSURANCE COMPANY, INC. | 231 | $10K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 133 | $105K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 133 | $105K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 133 | $105K |
| 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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.