| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CLARK INSURANCE3 Filed as: CLARK INS | A MARSH AND MCLENNAN AGY PO BOX 350 BLDG A CONSHOHOCKEN, PA 19428 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $44K | $44K | 1.50% |
| CROSS BENEFIT SOLUTIONS3 | 2367 CONGRESS STREET PORTLAND, ME 04332 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $43K | $43K | 1.50% |
| CROSS INSURANCE3 Filed as: CROSS INSURANCE INC-MAINE | 491 MAIN STREET BANGOR, ME 04401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 4.59% |
| CLARK INSURANCE3 | A MARSH MCLENNAN AGENCY PO BOX 3543 PORTLAND, ME 04104 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $1K | $5K | 3.12% |
| CROSS INSURANCE3 | 491 MAIN ST PO BOX 1388 BANGOR, ME 04401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $3K | $3K | 1.76% |
| CROSS INSURANCE3 Filed as: CROSS INSURANCE INC | 1100 ELM ST MANCHESTER, NH 03101 | VISION SERVICE PLAN | $756 | — | $756 | 3.74% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 1945 CONGRESS ST STE A PORTLAND, ME 04102 | VISION SERVICE PLAN | $356 | — | $356 | 1.76% |
| CROSS INSURANCE3 Filed as: CROSS INSURANCE INC-MAINE | 491 MAIN STREET BANGOR, ME 04401 | UNUM INSURANCE COMPANY | $1K | — | $1K | 10.03% |
| CLARK INSURANCE3 | A MARSH MCLENNAN AGENCY PO BOX 3543 PORTLAND, ME 04104 | UNUM INSURANCE COMPANY | $565 | $71 | $636 | 4.59% |
| CROSS INSURANCE3 | 491 MAIN ST PO BOX 1388 BANGOR, ME 04401 | UNUM INSURANCE COMPANY | — | $301 | $301 | 2.17% |
| CROSS INSURANCE3 Filed as: CROSS INSURANCE INC-MAINE | 491 MAIN STREET BANGOR, ME 04401 | UNUM INSURANCE COMPANY | $1K | — | $1K | 9.67% |
| CLARK INSURANCE3 | A MARSH MCLENNAN AGENCY PO BOX 3543 PORTLAND, ME 04104 | UNUM INSURANCE COMPANY | $635 | $81 | $716 | 5.60% |
| CROSS INSURANCE3 | 491 MAIN ST PO BOX 1388 BANGOR, ME 04401 | UNUM INSURANCE COMPANY | — | $250 | $250 | 1.96% |
| CROSS INSURANCE3 Filed as: CROSS INSURANCE INC-MAINE | 491 MAIN STREET BANGOR, ME 04401 | UNUM INSURANCE COMPANY | $850 | — | $850 | 6.68% |
| CLARK INSURANCE3 | A MARSH MCLENNAN AGENCY PO BOX 3543 PORTLAND, ME 04104 | UNUM INSURANCE COMPANY | $414 | $83 | $497 | 3.91% |
| CROSS INSURANCE3 | 491 MAIN ST PO BOX 1388 BANGOR, ME 04401 | UNUM INSURANCE COMPANY | — | $225 | $225 | 1.77% |
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 | 200 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 208 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 287 | $2.9M |
| Vision | VISION SERVICE PLAN | 148 | $20K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 200 | $153K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 200 | $153K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 200 | $153K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 200 | $192K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 287 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.