| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: VARNEY & CO. BENEFITS ADVISORS LLC | 32 OAK STREET BANGOR, ME 04401 | HPHC INSURANCE COMPANY | $20K | — | $20K | 1.97% |
| CROSS BENEFIT SOLUTIONS3 Filed as: CROSS FINANCIAL INSURANCE | 491 MAIN STREET BANGOR, ME 04401 | HPHC INSURANCE COMPANY | $8K | — | $8K | 0.74% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: VARNEY & CO. BENEFITS ADVISORS LLC | 32 OAK STREET BANGOR, ME 04401 | HARVARD PILGRIM HEALTH CARE | $19K | — | $19K | 1.97% |
| CROSS BENEFIT SOLUTIONS3 Filed as: CROSS FINANCIAL INSURANCE | 491 MAIN STREET BANGOR, ME 04401 | HARVARD PILGRIM HEALTH CARE | $7K | — | $7K | 0.74% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: VARNEY & CO. BENEFITS ADVISORS LLC | 32 OAK STREET BANGOR, ME 04401 | HPHC INSURANCE COMPANY | $7K | — | $7K | 1.95% |
| CROSS BENEFIT SOLUTIONS3 Filed as: CROSS FINANCIAL INSURANCE | 491 MAIN STREET BANGOR, ME 04401 | HPHC INSURANCE COMPANY | $3K | — | $3K | 0.73% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: VARNEY & CO. BENEFITS ADVISORS LLC | 32 OAK STREET BANGOR, ME 04401 | DELTA DENTAL PLAN OF MAINE | $4K | — | $4K | 1.84% |
| CROSS INSURANCE3 | 491 MAIN STREET PO BOX 1388 BANGOR, ME 04401 | DELTA DENTAL PLAN OF MAINE | $847 | — | $847 | 0.37% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: VARNEY & CO. BENEFITS ADVISORS LLC | 32 OAK STREET BANGOR, ME 04401 | HARTFORD LIFE AND ACCIDENT | $9K | — | $9K | 5.90% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: VARNEY & CO. BENEFITS ADVISORS LLC | 32 OAK STREET BANGOR, ME 04401 | VISION SERVICE PLAN | $1K | — | $1K | 3.95% |
| CROSS BENEFIT SOLUTIONS3 Filed as: CROSS FINANCIAL CORP | 491 MAIN STREET BANGOR, ME 044016296 | VISION SERVICE PLAN | $158 | — | $158 | 0.53% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: VARNEY & CO. BENEFITS ADVISORS LLC | 32 OAK STREET BANGOR, ME 04401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $391 | $3K | 16.74% |
| CROSS INSURANCE3 | 491 MAIN STREET PO BOX 1388 BANGOR, ME 04401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $21 | $11 | $32 | 0.16% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: VARNEY & CO. BENEFITS ADVISORS LLC | 32 OAK STREET BANGOR, ME 04401 | HARTFORD LIFE AND ACCIDENT | $1K | — | $1K | 15.00% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: VARNEY & CO. BENEFITS ADVISORS LLC | 32 OAK STREET BANGOR, ME 04401 | HARTFORD LIFE AND ACCIDENT | $151 | — | $151 | 14.97% |
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 | 302 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 302 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | HPHC INSURANCE COMPANY | 286 | $2.3M |
| Dental | DELTA DENTAL PLAN OF MAINE | 665 | $228K |
| Vision | VISION SERVICE PLAN | 221 | $30K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 362 | $167K |
| Short-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 362 | $167K |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 362 | $167K |
| Other(4 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 362 | $175K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 665 | — |
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."
No prospect flags tripped on this filing.