| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACADIA BENEFITS INC3 | UNKNOWN PORTLAND, ME 04102 | HARVARD PILGRIM HEALTH CARE | $28K | $0 | $28K | 1.77% |
| LOMBARD BENEFITS GROUP, INC.3 Filed as: LOMBARD BENEFITS GROUP INC | UNKNOWN PORTLAND, ME 04102 | HARVARD PILGRIM HEALTH CARE | $19K | $0 | $19K | 1.23% |
| LOMBARD BENEFITS GROUP, INC.3 Filed as: LOMBARD BENEFITS GROUP INC | 24 COLE FIELD ROAD CAPE ELIZABETH, ME 04107 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 4.19% |
| ACADIA BENEFITS INC3 | 111 COMMERICAL STREET 5TH FLOOR PORTLAND, ME 04101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $401 | $5K | 4.10% |
| ACADIA BENEFITS INC3 | 50 PORTLAND PIER, SUITE 301 PORTLAND, ME 04101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $496 | $25 | $521 | 0.46% |
| ACADIA BENEFITS INC3 | 50 PORTLAND PIER, SUITE 301 PORTLAND, ME 04101 | DELTA DENTAL PLAN OF MAINE | $2K | $0 | $2K | 2.22% |
| LOMBARD BENEFITS GROUP, INC.3 Filed as: LOMBARD BENEFITS GROUP INC | 24 COLE FIELD ROAD CAPE ELIZABETH, ME 04107 | DELTA DENTAL PLAN OF MAINE | $2K | — | $2K | 2.22% |
| COMBINED SERVICES LLC3 | PO BOX 1320 CONCORD, NH 03302 | DELTA DENTAL PLAN OF MAINE | $930 | $0 | $930 | 1.09% |
| ACADIA BENEFITS INC3 | 50 PORTLAND PIER, SUITE 301 PORTLAND, ME 04101 | RED TREE INSURANCE COMPANY, INC | $489 | $0 | $489 | 5.18% |
| LOMBARD BENEFITS GROUP, INC.3 Filed as: LOMBARD BENEFITS GROUP INC | 24 COLE FIELD ROAD CAPE ELIZABETH, ME 04107 | RED TREE INSURANCE COMPANY, INC | $489 | $0 | $489 | 5.18% |
| COMBINED SERVICES LLC3 | PO BOX 1320 CONCORD, NH 03302 | RED TREE INSURANCE COMPANY, INC | $147 | $0 | $147 | 1.56% |
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 | 117 | 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) | 117 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HARVARD PILGRIM HEALTH CARE | 130 | $1.6M |
| Dental | DELTA DENTAL PLAN OF MAINE | 229 | $86K |
| Vision | RED TREE INSURANCE COMPANY, INC | 211 | $9K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 120 | $113K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 120 | $113K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 120 | $113K |
| Prescription drug(2 contracts, 2 carriers) | HARVARD PILGRIM HEALTH CARE | 130 | $1.6M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 120 | $113K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 229 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.