| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROSS BENEFIT SOLUTIONS3 | PO BOX 1388 BANGOR, ME 04402 | HPHC INSURANCE COMPANY | $50K | — | $50K | 3.92% |
| CROSS BENEFIT SOLUTIONS3 | PO BOX 1388 BANGOR, ME 04402 | HPHC INSURANCE COMPANY | $27K | — | $27K | 4.09% |
| CROSS BENEFIT SOLUTIONS3 | PO BOX 1388 BANGOR, ME 04402 | HPHC INSURANCE COMPANY | $9K | — | $9K | 4.44% |
| CROSS BENEFIT SOLUTIONS3 | PO BOX 1388 BANGOR, ME 04402 | HPHC INSURANCE COMPANY | $7K | — | $7K | 3.92% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE AUGUSTA, ME 043308009 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $4K | $15K | 10.54% |
| CROSS INSURANCE3 | 491 MAIN ST BANGOR, ME 04401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $2K | $12K | 17.92% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE AUGUSTA, ME 043308009 | VISION SERVICE PLAN | $1K | — | $1K | 5.41% |
| MAUREEN E SNOW3 Filed as: MAUREEN SNOW | 68 WINGATE RD HOLLISTON, MA 01746 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $637 | — | $637 | 4.34% |
| CROSS INSURANCE3 | 491 MAIN ST BANGOR, ME 04401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $477 | $2 | $479 | 3.27% |
| ACCESS ENROLL3 | 33 LANDAU RD PLAINVILLE, MA 02762 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $76 | — | $76 | 0.52% |
| CROSS BENEFIT SOLUTIONS3 | PO BOX 1388 BANGOR, ME 04402 | HPHC INSURANCE COMPANY | $20 | — | $20 | 0.17% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE AUGUSTA, ME 04332 | UNUM INSURANCE COMPANY | $359 | — | $359 | 15.00% |
| CROSS INSURANCE3 | 491 MAIN ST BANGOR, ME 04401 | UNUM INSURANCE COMPANY | — | $73 | $73 | 3.05% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE AUGUSTA, ME 04332 | UNUM INSURANCE COMPANY | $318 | — | $318 | 15.00% |
| CROSS INSURANCE3 | 491 MAIN ST BANGOR, ME 04401 | UNUM INSURANCE COMPANY | — | $106 | $106 | 5.00% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE AUGUSTA, ME 04332 | UNUM INSURANCE COMPANY | $151 | — | $151 | 9.56% |
| CROSS INSURANCE3 | 491 MAIN ST BANGOR, ME 04401 | UNUM INSURANCE COMPANY | — | $53 | $53 | 3.36% |
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. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 211 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts) | HPHC INSURANCE COMPANY | 211 | $2.3M |
| Vision | VISION SERVICE PLAN | 159 | $21K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 212 | $212K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 212 | $145K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 212 | $145K |
| Other(6 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 212 | $233K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 212 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.