| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROSS INSURANCE Filed as: CROSS INSURANCE AGENCY | PO BOX 1388 BANGOR, ME 04402 | AETNA HEALTH, INC. | $21K | — | $21K | 2.93% |
| CROSS INSURANCE Filed as: CROSS INSURANCE AGENCY | PO BOX 1388 BANGOR, ME 04402 | AETNA LIFE INSURANCE CO | $12K | $5K | $17K | 4.15% |
| CROSS BENEFIT SOLUTIONS3 | 491 MAIN ST BANGOR, ME 04401 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 3.06% |
| CROSS INSURANCE3 Filed as: CROSS INSURANCE, INC - MAINE | PO BOX 1388 BANGOR, ME 04402 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 5.90% |
| CROSS INSURANCE3 Filed as: CROSS INSURANCE, INC - MAINE | PO BOX 1388 BANGOR, ME 04402 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 6.13% |
| CROSS INSURANCE3 Filed as: CROSS INSURANCE, INC - MAINE | PO BOX 1388 BANGOR, ME 04402 | STANDARD INSURANCE COMPANY | $3K | $0 | $3K | 11.78% |
| CROSS BENEFIT SOLUTIONS3 | 491 MAIN ST BANGOR, ME 04401 | STANDARD INSURANCE COMPANY | $238 | $0 | $238 | 2.50% |
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 | 168 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 168 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO | 59 | $410K |
| Dental | STANDARD INSURANCE COMPANY | 125 | $54K |
| Vision | STANDARD INSURANCE COMPANY | 111 | $10K |
| Life insurance | STANDARD INSURANCE COMPANY | 166 | $36K |
| Short-term disability | STANDARD INSURANCE COMPANY | 219 | $39K |
| Long-term disability | STANDARD INSURANCE COMPANY | 51 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 219 | — |
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.