| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE SUITE 2 AUGUSTA, ME 04330 | HARVARD PILGRIM HEALTH CARE | $23K | — | $23K | 2.15% |
| CROSS INSURANCE3 Filed as: CROSS INSURANCE - BANGOR | PO BOX 133 BANGOR, ME 04402 | HARVARD PILGRIM HEALTH CARE | — | $7K | $7K | 0.66% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE SUITE 2 AUGUSTA, ME 04330 | HARVARD PILGRIM HEALTH CARE | $19K | — | $19K | 2.07% |
| CROSS INSURANCE3 Filed as: CROSS INSURANCE - BANGOR | PO BOX 133 BANGOR, ME 04402 | HARVARD PILGRIM HEALTH CARE | — | $6K | $6K | 0.63% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE SUITE 2 AUGUSTA, ME 04330 | HARVARD PILGRIM HEALTH CARE | $11K | — | $11K | 2.09% |
| CROSS INSURANCE3 Filed as: CROSS INSURANCE - BANGOR | PO BOX 133 BANGOR, ME 04402 | HARVARD PILGRIM HEALTH CARE | — | $3K | $3K | 0.64% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE PO BOX 469 AUGUSTA, ME 04332 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 7.69% |
| CROSS INSURANCE3 | 491 MAIN ST PO BOX 1388 BANGOR, ME 04401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $4K | $4K | 3.12% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE SUITE 2 AUGUSTA, ME 04330 | HARVARD PILGRIM HEALTH CARE | $565 | — | $565 | 2.26% |
| CROSS INSURANCE3 Filed as: CROSS INSURANCE - BANGOR | PO BOX 133 BANGOR, ME 04330 | HARVARD PILGRIM HEALTH CARE | — | $173 | $173 | 0.69% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE STE 2 AUGUSTA, ME 043308009 | VISION SERVICE PLAN | $943 | — | $943 | 4.63% |
| CROSS INSURANCE3 Filed as: CROSS INSURANCE INC | 1100 ELM ST MANCHESTER, NH 03101 | VISION SERVICE PLAN | $492 | — | $492 | 2.42% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE PO BOX 469 AUGUSTA, ME 04332 | UNUM INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| CROSS INSURANCE3 | 491 MAIN ST BANGOR, ME 04401 | UNUM INSURANCE COMPANY | — | $693 | $693 | 4.66% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE PO BOX 469 AUGUSTA, ME 04332 | UNUM INSURANCE COMPANY | $2K | — | $2K | 15.01% |
| CROSS INSURANCE3 | 491 MAIN ST PO BOX 1388 BANGOR, ME 04401 | UNUM INSURANCE COMPANY | — | $419 | $419 | 3.03% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE PO BOX 469 AUGUSTA, ME 04332 | UNUM INSURANCE COMPANY | $1K | — | $1K | 10.09% |
| CROSS INSURANCE3 | 491 MAIN ST PO BOX 1388 BANGOR, ME 04401 | UNUM INSURANCE COMPANY | — | $384 | $384 | 3.39% |
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 | 187 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 200 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts) | HARVARD PILGRIM HEALTH CARE | 165 | $2.5M |
| Vision | VISION SERVICE PLAN | 149 | $20K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 200 | $134K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 200 | $134K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 200 | $134K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 200 | $174K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 200 | — |
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.