| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROSS INSURANCE3 | P.O. BOX 1388 BANGOR, ME 04402 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $76K | $362 | $76K | 2.51% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DR AUGUSTA, ME 04330 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $5K | $5K | 0.15% |
| CROSS BENEFIT SOLUTIONS3 | P.O. BOX 1388 BANGOR, ME 04402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 5.99% |
| CROSS BENEFIT SOLUTIONS3 | P.O. BOX 1388 BANGOR, ME 04402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 8.00% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DR AUGUSTA, ME 04330 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 9.53% |
| WOODROW W CROSS AGENCY3 | 491 MAIN ST BANGOR, ME 04401 | AMERITAS LIFE INSURANCE CORP. | $440 | — | $440 | 2.50% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DR AUGUSTA, ME 04330 | AMERITAS LIFE INSURANCE CORP. | — | $178 | $178 | 1.01% |
| CROSS BENEFIT SOLUTIONS3 | P.O. BOX 1388 BANGOR, ME 04402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $976 | — | $976 | 12.00% |
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 | 320 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 323 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 256 | $3.0M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 256 | $3.0M |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 418 | $3.1M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 397 | $60K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 86 | $33K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 320 | $58K |
| Other(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 398 | $74K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 418 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.