| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROSS BENEFIT SOLUTIONS3 | 491 MAIN STREET BANGOR, ME 04401 | HPHC INSURANCE COMPANY | $36K | — | $36K | 3.06% |
| CROSS BENEFIT SOLUTIONS3 | 491 MAIN STREET BANGOR, ME 04401 | HPHC INSURANCE COMPANY | $15K | — | $15K | 3.00% |
| CROSS BENEFIT SOLUTIONS3 | 491 MAIN STREET BANGOR, ME 04401 | HPHC INSURANCE COMPANY | $5K | — | $5K | 2.86% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE AUGUSTA, ME 04332 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 7.71% |
| CROSS INSURANCE3 | 491 MAIN ST BANGOR, ME 04401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $4K | $4K | 3.08% |
| CROSS BENEFIT SOLUTIONS3 | 491 MAIN STREET BANGOR, ME 04401 | HPHC INSURANCE COMPANY | $3K | — | $3K | 3.06% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE AUGUSTA, ME 04332 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 15.00% |
| CROSS INSURANCE3 | 491 MAIN ST BANGOR, ME 04401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 3.01% |
| ACCESS ENROLL3 | 33 LANDAU RD PLAINVILLE, MA 02762 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $1 | $1K | 4.67% |
| CROSS INSURANCE3 | 491 MAIN ST BANGOR, ME 04401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $809 | $1 | $810 | 3.12% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE AUGUSTA, ME 043308009 | VISION SERVICE PLAN | $1K | — | $1K | 7.20% |
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 | 211 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 214 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts) | HPHC INSURANCE COMPANY | 254 | $2.0M |
| Vision | VISION SERVICE PLAN | 162 | $20K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 211 | $198K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 211 | $138K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 211 | $138K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 211 | $224K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 254 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.