| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | UNKNOWN PORTLAND, ME 04102 | HARVARD PILGRIM HEALTH CARE | $20K | $0 | $20K | 1.51% |
| ACADIA BENEFITS INC3 | UNKNOWN PORTLAND, ME 04102 | HARVARD PILGRIM HEALTH CARE | $15K | $0 | $15K | 1.17% |
| LOMBARD BENEFITS GROUP, INC.3 Filed as: LOMBARD BENEFITS GROUP INC | UNKNOWN PORTLAND, ME 04102 | HARVARD PILGRIM HEALTH CARE | $9K | $0 | $9K | 0.72% |
| USI INSURANCE SERVICES LLC3 | 75 JOHN ROBERTS ROAD BUILDING C SOUTH PORTLAND, ME 04106 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $3K | $6K | 4.81% |
| ACADIA BENEFITS INC3 | 50 PORTLAND PIER, SUITE 301 PORTLAND, ME 04101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $235 | $3K | 2.56% |
| 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 | $3K | $0 | $3K | 2.37% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | DELTA DENTAL PLAN OF MAINE | $2K | $0 | $2K | 1.92% |
| ACADIA BENEFITS INC3 | 50 PORTLAND PIER, SUITE 301 PORTLAND, ME 04101 | DELTA DENTAL PLAN OF MAINE | $1K | $0 | $1K | 1.22% |
| LOMBARD BENEFITS GROUP, INC.3 Filed as: LOMBARD BENEFITS GROUP INC | 24 COLE FIELD ROAD CAPE ELIZABETH, ME 04107 | DELTA DENTAL PLAN OF MAINE | $1K | $0 | $1K | 1.22% |
| COMBINED SERVICES LLC3 | PO BOX 1320 CONCORD, NH 03302 | DELTA DENTAL PLAN OF MAINE | $74 | $0 | $74 | 0.09% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | RED TREE INSURANCE COMPANY, INC | $409 | $0 | $409 | 4.34% |
| ACADIA BENEFITS INC3 | 50 PORTLAND PIER, SUITE 301 PORTLAND, ME 04101 | RED TREE INSURANCE COMPANY, INC | $262 | $0 | $262 | 2.78% |
| LOMBARD BENEFITS GROUP, INC.3 Filed as: LOMBARD BENEFITS GROUP INC | 24 COLE FIELD ROAD CAPE ELIZABETH, ME 04107 | RED TREE INSURANCE COMPANY, INC | $262 | $0 | $262 | 2.78% |
| COMBINED SERVICES LLC3 | PO BOX 1320 CONCORD, NH 03302 | RED TREE INSURANCE COMPANY, INC | $140 | $0 | $140 | 1.49% |
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 | 124 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 125 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HARVARD PILGRIM HEALTH CARE | 149 | $1.3M |
| Dental | DELTA DENTAL PLAN OF MAINE | 242 | $86K |
| Vision | RED TREE INSURANCE COMPANY, INC | 234 | $9K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 141 | $129K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 141 | $129K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 141 | $129K |
| Prescription drug(2 contracts, 2 carriers) | HARVARD PILGRIM HEALTH CARE | 149 | $1.3M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 141 | $129K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 242 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.