| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYEE BENEFITS DESIGN, INC.3 | 424 STRICKLAND ROAD FORT FAIRFIELD, ME 04742 | HPHC INSURANCE COMPANY | $47K | — | $47K | 0.60% |
| ACADIA BENEFITS INC3 Filed as: ACADIA BENEFITS | 111 COMMERCIAL STREET, 5TH FLOOR PORTLAND, ME 04101 | HPHC INSURANCE COMPANY | $47K | — | $47K | 0.60% |
| EMPLOYEE BENEFITS DESIGN, INC.3 | 424 STRICKLAND ROAD FORT FAIRFIELD, ME 04742 | HARTFORD LIFE AND ACCIDENT | $17K | — | $17K | 4.35% |
| HPHC INSURANCE AGENCY, INC.3 | 93 WORCHESTER STREET WELLESLEY HILLS, MA 02481 | GUARDIAN | $20K | — | $20K | 5.93% |
| ACADIA BENEFITS INC3 Filed as: ACADIA BENEFITS INC. | 111 COMMERCIAL STREET PORTLAND, ME 041014719 | GUARDIAN | $7K | $2K | $10K | 2.91% |
| BULFINCH GROUP INSURANCE AGY3 Filed as: BULFINCH GROUP INSSURANCE AGY L | 160 GOULD ST #310 NEEDHAM, MA 02494 | GUARDIAN | $50 | — | $50 | 0.01% |
| EMPLOYEE BENEFITS DESIGN, INC.3 | 424 STRICKLAND ROAD FORT FAIRFIELD, ME 04742 | ANTHEM HEALTH PLANS OF MAINE | $3K | — | $3K | 9.85% |
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 | 443 | 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) | 443 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HPHC INSURANCE COMPANY | 995 | $7.7M |
| Dental | GUARDIAN | 437 | $338K |
| Vision | ANTHEM HEALTH PLANS OF MAINE | 1,070 | $34K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 417 | $384K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 417 | $384K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 417 | $384K |
| Prescription drug | HPHC INSURANCE COMPANY | 995 | $7.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,070 | — |
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.