| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROSS INSURANCE3 Filed as: CROSS INSURANCE AGENCY | PO BOX 1388 BANGOR, ME 04402 | HPHC INSURANCE COMPANY | $22K | — | $22K | 2.33% |
| CROSS INSURANCE3 Filed as: CROSS INSURANCE AGENCY | PO BOX 1388 BANGOR, ME 04402 | HARVARD PILGRIM HEALTH CARE | $20K | — | $20K | 2.33% |
| CROSS INSURANCE3 Filed as: CROSS INSURANCE AGENCY | PO BOX 1388 BANGOR, ME 04402 | HARVARD PILGRIM HEALTH CARE | $17K | — | $17K | 2.33% |
| WOODROW W CROSS AGENCY3 | 74 GILMAN ROAD BANGOR, ME 04401 | ANTHEM LIFE INSURANCE COMPANY | $22K | — | $22K | 12.79% |
| CROSS BENEFIT SOLUTIONS3 | PO BOX 469 AUGUSTA, ME 04332 | ANTHEM LIFE INSURANCE COMPANY | — | $6K | $6K | 3.22% |
| CROSS BENEFIT SOLUTIONS3 | — | ANTHEM HEALTH PLANS OF MAINE | $3K | — | $3K | 3.49% |
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 | 234 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 23 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 257 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | HPHC INSURANCE COMPANY | 163 | $2.5M |
| Dental | ANTHEM HEALTH PLANS OF MAINE | 121 | $96K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 257 | $175K |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY | 257 | $175K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 257 | $175K |
| Other | ANTHEM LIFE INSURANCE COMPANY | 257 | $175K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 257 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.