| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACADIA BENEFITS INC3 Filed as: ACADIA BENEFITS, INC. | 111 COMMERCIAL ST PORTLAND, ME 04101 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $43 | $35K | $35K | 0.63% |
| ARCADIA BENEFITS3 Filed as: ARCADIA BENEFITS INC. | 50 PORTLAND PIER, SUITE 301 PORTLAND, ME 04101 | DELTA DENTAL PLAN OF MAINE | $4K | — | $4K | 1.22% |
| ARCADIA BENEFITS3 | 111 COMMERCIAL ST 5TH FL PORTLAND, ME 04101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $35K | $677 | $36K | 41.79% |
| ARCADIA BENEFITS3 | 111 COMMERCIAL ST FL 5 PORTLAND, ME 041014719 | VISION SERVICE PLAN | $2K | — | $2K | 2.63% |
| ARCADIA BENEFITS3 | 111 COMMERCIAL ST 5TH FL PORTLAND, ME 04101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $476 | $9K | 16.03% |
| ARCADIA BENEFITS3 | 111 COMMERCIAL STREET PORTLAND, ME 04101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 14.88% |
| ARCADIA BENEFITS3 | 111 COMMERCIAL STREET PORTLAND, ME 04101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 14.86% |
| ARCADIA BENEFITS3 | 111 COMMERCIAL STREET PORTLAND, ME 04101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 14.82% |
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 | 1,027 | 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) | 1,027 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 706 | $5.5M |
| Dental | DELTA DENTAL PLAN OF MAINE | 1,190 | $361K |
| Vision | VISION SERVICE PLAN | 558 | $61K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,132 | $59K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,132 | $59K |
| Other(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,132 | $223K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,190 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.