| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE, STE 2 AUGUSTA, ME 04330 | HARVARD PILGRIM HEALTH CARE | $14K | — | $14K | 2.88% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE, STE 2 AUGUSTA, ME 04330 | HARVARD PILGRIM HEALTH CARE | $10K | — | $10K | 2.89% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE, STE 2 AUGUSTA, ME 04330 | HPHC INSURANCE COMPANY | $7K | — | $7K | 2.82% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE, STE 2 AUGUSTA, ME 04330 | HARVARD PILGRIM HEALTH CARE | $108 | — | $108 | 2.87% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE, STE 2 AUGUSTA, ME 04330 | HARVARD PILGRIM HEALTH CARE | $82 | — | $82 | 2.86% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE, STE 2 AUGUSTA, ME 04330 | HPHC INSURANCE COMPANY | $0 | — | $0 | — |
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 | 251 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 253 | Active + retired/separated + beneficiaries. No dependents. |
No Schedule A insurance contracts on this filing — typical of fully self-funded plans, where the only headcount is the Form 5500 number above.
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.