| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROSS INSURANCE3 Filed as: CROSS INSURANCE - BANGOR | PO BOX 1388 BANGOR, ME 04402 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $373 | $182K | $183K | 5.24% |
| CROSS BENEFIT SOLUTIONS3 Filed as: CROSS BENEFITS SOLUTIONS | 116 COMMUNITY DRIVE AUGUSTA, ME 04330 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $10K | $10K | 0.28% |
| CROSS INSURANCE3 Filed as: CROSS INSURANCE - BANGOR | PO BOX 1388 BANGOR, ME 04402 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $13K | — | $13K | 4.95% |
| CROSS BENEFIT SOLUTIONS3 Filed as: CROSS BENEFITS SOLUTIONS | 116 COMMUNITY DRIVE AUGUSTA, ME 04330 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $3K | $3K | 0.94% |
| CROSS INSURANCE3 | 491 MAIN STREET BANGOR, ME 04401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $5K | $14K | 6.27% |
| CROSS INSURANCE3 | 491 MAIN ST BANGOR, ME 04401 | UNUM INSURANCE COMPANY OF AMERICA | $4K | $4K | $7K | 8.42% |
| CROSS INSURANCE3 | 491 MAIN ST BANGOR, ME 04401 | UNUM INSURANCE COMPANY | $4K | $837 | $5K | 14.06% |
| CROSS BENEFIT SOLUTIONS3 Filed as: CROSS FINANCIAL CORP | 491 MAIN STREET BANGOR, ME 04401 | VISION SERVICE PLAN | $2K | — | $2K | 4.57% |
| WOODROW W CROSS AGENCY3 | PO BOX 1388 BANGOR, ME 04402 | 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 | 339 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 339 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 443 | $3.5M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 311 | $270K |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 443 | $3.5M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 465 | $223K |
| Short-term disability | UNUM INSURANCE COMPANY OF AMERICA | 328 | $87K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 465 | $223K |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 465 | $260K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 465 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.