| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE AUGUSTA, ME 04330 | AETNA LIFE INSURANCE CO. | $45K | $4K | $49K | 3.23% |
| CROSS BENEFIT SOLUTIONS3 | 2367 CONGRESS STREET PORTLAND, ME 04102 | ANTHEM LIFE INSURANCE COMPANY | $22K | $1K | $23K | 14.52% |
| ACCESS ENROLL3 | 153 CORDAVILLE RD STE 130 SOUTHBORO, MA 01772 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $496 | $11K | 40.83% |
| CROSS INSURANCE3 | 491 MAIN ST BANGOR, ME 04401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $364 | $8K | 27.34% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE AUGUSTA, ME 043308009 | VISION SERVICE PLAN | $1K | — | $1K | 5.76% |
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 | 198 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 198 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 387 | $1.5M |
| Vision | VISION SERVICE PLAN | 142 | $18K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 194 | $158K |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY | 194 | $158K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 194 | $158K |
| Other(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 194 | $186K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 387 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.