| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROSS INSURANCE3 | PO BOX 133 BANGOR, ME 04402 | HPHC INSURANCE COMPANY HSA ACT | $5K | — | $5K | 0.56% |
| CROSS INSURANCE3 | PO BOX 133 BANGOR, ME 04402 | HPHC INSURANCE COMPANY PPO | $4K | — | $4K | 0.56% |
| CROSS INSURANCE3 | PO BOX 133 BANGOR, ME 04402 | HPHC INSURANCE COMPANY PRECAST HSA ACT | $1K | — | $1K | 0.56% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE STE 2 AUGUSTA, ME 04330 | ANTHEM LIFE INSURANCE COMPANY | $3K | $640 | $4K | 3.25% |
| CROSS INSURANCE3 | PO BOX 133 BANGOR, ME 04402 | HPHC INSURANCE COMPANY PPO ACT | $490 | — | $490 | 0.56% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE SUITE 2 AUGUSTA, ME 04330 | ANTHEM HEALTH PLANS OF MAINE | $6K | $469 | $6K | 15.00% |
| CROSS INSURANCE3 | PO BOX 133 BANGOR, ME 04402 | HPHC INSURANCE COMPANY HSA COBRA | $71 | — | $71 | 0.56% |
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 | 162 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 162 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 6 carriers) | HPHC INSURANCE COMPANY HSA ACT | 188 | $1.8M |
| Dental | DELTA DENTAL PLAN OF MAINE | 180 | $60K |
| Vision | ANTHEM HEALTH PLANS OF MAINE | 188 | $43K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 139 | $119K |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY | 139 | $119K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 139 | $119K |
| Other(3 contracts, 3 carriers) | HPHC INSURANCE COMPANY HSA ACT | 92 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 188 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.