| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACADIA BENEFITS INC3 | 111 COMMERCIAL ST PORTLAND, ME 04101 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $17 | $13K | $13K | 0.63% |
| ARCADIA BENEFITS3 Filed as: ARCADIA BENEFITS INC | 111 COMMERCIAL ST 5TH FL PORTLAND, ME 04101 | DELTA DENTAL PLAN OF MAINE | $2K | — | $2K | 1.60% |
| ARCADIA BENEFITS3 | 111 COMMERCIAL ST FL 5 PORTLAND, ME 041014719 | VISION SERVICE PLAN | $820 | — | $820 | 2.38% |
| ARCADIA BENEFITS3 | 111 COMMERCIAL ST 5TH FL PORTLAND, ME 04101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $979 | $245 | $1K | 3.60% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MICHIGAN | 25900 W 11 MILE RD STUIE 210 SOUTHFIELD, MI 48034 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $17 | $4K | 13.12% |
| SMITH, THOMAS, CHRISTOPHER3 | 2928 FOSTER CREIGHTON DR NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $106 | $2K | 5.00% |
| ACADIA BENEFITS INC3 Filed as: ACADIA BENEFITS | 111 COMMERCIAL ST 5TH FL PORTLAND, ME 04101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $514 | $73 | $587 | 1.89% |
| ARCADIA BENEFITS3 | 111 COMMERICAL ST 5TH FL PORTLAND, MA 04101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $581 | $145 | $726 | 3.46% |
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 | 390 | 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) | 390 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 294 | $2.0M |
| Dental | DELTA DENTAL PLAN OF MAINE | 303 | $153K |
| Vision | VISION SERVICE PLAN | 256 | $34K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 390 | $21K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 390 | $21K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 390 | $86K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 390 | — |
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.