| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACADIA BENEFITS INC3 Filed as: ACADIA BENEFITS | 111 COMMERCIAL STREET, 5TH FLOOR PORTLAND, ME 04101 | HPHC INSURANCE COMPANY | $89K | $43K | $132K | 1.53% |
| EMPLOYEE BENEFITS DESIGN, INC.3 | 424 STRICKLAND ROAD FORT FAIRFIELD, ME 04742 | HPHC INSURANCE COMPANY | $0 | $20K | $20K | 0.23% |
| HPHC INSURANCE AGENCY, INC.3 | 93 WORCHESTER STREET WELLESLEY HILLS, MA 02481 | GUARDIAN | $19K | — | $19K | 2.75% |
| ACADIA BENEFITS INC3 Filed as: ACADIA BENEFITS INC. | 111 COMMERCIAL STREET PORTLAND, ME 041014719 | GUARDIAN | $0 | $8K | $8K | 1.17% |
| KRISTA L PRUE3 | 123 JILLIAN WAY GLENBURN, ME 04401 | AFLAC | $19K | $680 | $20K | 16.86% |
| SCOTT HUNTLEY3 | 108 STRATE STREET, SUITE 1 BANGOR, ME 04401 | AFLAC | $6K | $159 | $6K | 5.52% |
| SCOTT A. MCCOY3 Filed as: SCOTT A MCCOY | 679 MEADOWS RD HAMPDEN, ME 04444 | AFLAC | $5K | $159 | $5K | 4.29% |
| GWENDOLYN PATRICIA REDDY3 | 16 PARKWAY N BREWER, ME 04412 | AFLAC | $2K | — | $2K | 1.47% |
| MELISSA NELSON3 | 49 BIRCHWOOD DRIVE ALLENSTOWN, NH 03275 | AFLAC | $59 | — | $59 | 0.05% |
| ROBERT R KURTZ3 | 160 E SHORE RD AUBURN, NH 04210 | AFLAC | $15 | — | $15 | 0.01% |
| JAMES (JAY) GRIMES3 | 554 ROBERT WILLIAMS RD PINE MOUNTAIN, GA 31822 | AFLAC | $4 | — | $4 | 0.00% |
| EMPLOYEE BENEFITS DESIGN, INC.3 | 424 STRICKLAND ROAD FORT FAIRFIELD, ME 04742 | ANTHEM HEALTH PLANS OF MAINE | $309 | — | $309 | 0.88% |
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 | 489 | 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) | 489 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HPHC INSURANCE COMPANY | 1,069 | $8.7M |
| Dental | GUARDIAN | 489 | $699K |
| Vision | ANTHEM HEALTH PLANS OF MAINE | 1,128 | $35K |
| Life insurance | GUARDIAN | 489 | $699K |
| Short-term disability | GUARDIAN | 489 | $699K |
| Long-term disability | GUARDIAN | 489 | $699K |
| Prescription drug | HPHC INSURANCE COMPANY | 1,069 | $8.7M |
| Other(2 contracts, 2 carriers) | GUARDIAN | 489 | $816K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,128 | — |
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.