| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROSS BENEFIT SOLUTIONS3 Filed as: CROSS FINANCIAL CORP | 491 MAIN STREET BANGOR, ME 04401 | HARVARD PILGRIM HEALTH CARE | $31K | — | $31K | 2.50% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: VARNEY & CO. BENEFITS ADVISORS LLC | 32 OAK STREET BANGOR, ME 04401 | HARVARD PILGRIM HEALTH CARE | $4K | — | $4K | 0.36% |
| CROSS BENEFIT SOLUTIONS3 Filed as: CROSS FINANCIAL CORP | 491 MAIN STREET BANGOR, ME 044016296 | HARVARD PILGRIM HEALTH CARE | $29K | — | $29K | 2.44% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: VARNEY & CO. BENEFITS ADVISORS LLC | 32 OAK STREET BANGOR, ME 04401 | HARVARD PILGRIM HEALTH CARE | $4K | — | $4K | 0.35% |
| CROSS BENEFIT SOLUTIONS3 Filed as: CROSS FINANCIAL INSURANCE | 491 MAIN STREET BANGOR, ME 04401 | HPHC INSURANCE COMPANY | $18K | — | $18K | 2.54% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: VARNEY & CO. BENEFITS ADVISORS LLC | 32 OAK STREET BANGOR, ME 04401 | HPHC INSURANCE COMPANY | $3K | — | $3K | 0.37% |
| CROSS INSURANCE3 | 491 MAIN STREET BANGOR, ME 04401 | DELTA DENTAL PLAN OF MAINE | $5K | — | $5K | 1.99% |
| CROSS INSURANCE3 | 491 MAIN STREET BANGOR, ME 04401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $8K | $18K | 10.51% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: VARNEY & CO. BENEFITS ADVISORS LLC | 32 OAK STREET BANGOR, ME 04401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $497 | $84 | $581 | 0.34% |
| CROSS INSURANCE3 | 491 MAIN STREET BANGOR, ME 04401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $2K | $6K | 10.79% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: VARNEY & CO. BENEFITS ADVISORS LLC | 32 OAK STREET BANGOR, ME 04401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $650 | $130 | $780 | 1.49% |
| CROSS BENEFIT SOLUTIONS3 Filed as: CROSS FINANCIAL CORP | 491 MAIN STREET BANGOR, ME 04401 | VISION SERVICE PLAN | $1K | — | $1K | 4.47% |
| CROSS INSURANCE3 | 491 MAIN STREET BANGOR, ME 04401 | UNUM INSURANCE COMPANY | $3K | $559 | $4K | 12.16% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: VARNEY & CO. BENEFITS ADVISORS LLC | 32 OAK STREET BANGOR, ME 04401 | UNUM INSURANCE COMPANY | $1K | $198 | $2K | 5.17% |
| WOODROW W CROSS AGENCY3 | 491 MAIN 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 | 334 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 334 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | HARVARD PILGRIM HEALTH CARE | 291 | $3.1M |
| Dental | DELTA DENTAL PLAN OF MAINE | 672 | $268K |
| Vision | VISION SERVICE PLAN | 243 | $33K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 431 | $173K |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 431 | $225K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 431 | $173K |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 431 | $206K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 672 | — |
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.