| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROSS INSURANCE3 Filed as: CROSS INSURANCE - BANGOR | PO BOX 133 BANGOR, ME 04402 | HPHC INSURANCE COMPANY | $24K | — | $24K | 1.78% |
| CROSS INSURANCE3 Filed as: CROSS INSURANCE - BANGOR | PO BOX 133 BANGOR, ME 04402 | HPHC INSURANCE COMPANY | $21K | — | $21K | 1.80% |
| CROSS INSURANCE3 Filed as: CROSS INSURANCE - BANGOR | PO BOX 133 BANGOR, ME 04402 | HPHC INSURANCE COMPANY | $16K | — | $16K | 1.80% |
| CROSS INSURANCE3 Filed as: CROSS INSURANCE - BANGOR | PO BOX 1388 BANGOR, ME 04402 | STANDARD INSURANCE COMPANY | $13K | — | $13K | 7.96% |
| CROSS BENEFIT SOLUTIONS3 | 2367 CONGRESS STREET PORTLAND, ME 04102 | STANDARD INSURANCE COMPANY | — | $5K | $5K | 2.87% |
| CROSS INSURANCE3 Filed as: CROSS INSURANCE INC | P.O. BOX 1388 BANGOR, ME 04402 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | — | $5K | 4.93% |
| CROSS INSURANCE3 Filed as: CROSS INSURANCE INC | P.O. BOX 1388 BANGOR, ME 04402 | ANTHEM LIFE INSURANCE COMPANY | $4K | — | $4K | 6.98% |
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 | 282 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 295 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | HPHC INSURANCE COMPANY | 204 | $3.4M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 177 | $109K |
| Vision(3 contracts) | HPHC INSURANCE COMPANY | 204 | $3.4M |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 298 | $223K |
| Short-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 298 | $223K |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 298 | $223K |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 298 | $223K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 298 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.