| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BUSINESS INSURANCE AGENCY Filed as: BUSINESS INSURANCE AGENCY INC | PO BOX 469 AUGUSTA, ME 04332 | HARVARD PILGRIM HEALTH CARE | $9K | — | $9K | 3.38% |
| BUSINESS INSURANCE AGENCY Filed as: BUSINESS INSURANCE AGENCY INC | PO BOX 469 AUGUSTA, ME 04332 | HARVARD PILGRIM HEALTH CARE | $6K | — | $6K | 3.33% |
| BUSINESS INSURANCE AGENCY Filed as: BUSINESS INSURANCE AGENCY INC | PO BOX 469 AUGUSTA, ME 04332 | HARVARD PILGRIM HEALTH CARE | $5K | — | $5K | 3.18% |
| BUSINESS INSURANCE AGENCY Filed as: BUSINESS INSURANCE AGENCY INC | PO BOX 469 AUGUSTA, ME 04332 | HARVARD PILGRIM HEALTH CARE | $4K | — | $4K | 3.23% |
| BUSINESS INSURANCE AGENCY Filed as: BUSINESS INSURANCE AGENCY INC | PO BOX 469 AUGUSTA, ME 04332 | HPHC INSURANCE COMPANY | $4K | — | $4K | 3.29% |
| BUSINESS INSURANCE AGENCY Filed as: BUSINESS INSURANCE AGENCY INC | PO BOX 469 AUGUSTA, ME 04332 | HPHC INSURANCE COMPANY | $3K | — | $3K | 3.30% |
| BUSINESS INSURANCE AGENCY Filed as: BUSINESS INSURANCE AGENCY INC | PO BOX 469 AUGUSTA, ME 04332 | HARVARD PILGRIM HEALTHCARE | $3K | — | $3K | 3.29% |
| BUSINESS INSURANCE AGENCY3 Filed as: BUSINESS INSURANCE AGENCY INC | PO BOX 469 AUGUSTA, ME 04332 | PRINCIPAL LIFE INSURANCE COMPANY | $7K | — | $7K | 10.00% |
| LIAZON BENEFITS INC3 | 199 SCOTT ST FL 8 BUFFALO, NY 14204 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 5.00% |
| BUSINESS INSURANCE AGENCY Filed as: BUSINESS INSURANCE AGENCY INC | PO BOX 469 AUGUSTA, ME 04332 | HARVARD PILGRIM HEALTH CARE | $2K | — | $2K | 3.19% |
| BUSINESS INSURANCE AGENCY3 Filed as: BUSINESS INSURANCE AGENCY INC | PO BOX 469 AUGUSTA, ME 04332 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 9.19% |
| LIAZON BENEFITS INC5 | 199 SCOTT ST FL 8 BUFFALO, NY 14204 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 5.00% |
| BUSINESS INSURANCE AGENCY Filed as: BUSINESS INSURANCE AGENCY INC | PO BOX 469 AUGUSTA, ME 04332 | HPHC INSURANCE COMPANY | $1K | — | $1K | 3.29% |
| BUSINESS INSURANCE AGENCY Filed as: BUSINESS INSURANCE AGENCY INC | PO BOX 469 AUGUSTA, ME 04332 | HARVARD PILGRIM HEALTH CARE | $856 | — | $856 | 3.29% |
| BUSINESS INSURANCE AGENCY Filed as: BUSINESS INSURANCE AGENCY INC | PO BOX 469 AUGUSTA, ME 04332 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 14.65% |
| BUSINESS INSURANCE AGENCY Filed as: BUSINESS INSURANCE AGENCY INC | PO BOX 469 AUGUSTA, ME 04332 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 9.91% |
| CROSS BENEFIT SOLUTIONS | PO BOX 469 AUGUSTA, ME 04332 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7K | — | $7K | 59.00% |
| BUSINESS INSURANCE AGENCY Filed as: BUSINESS INSURANCE AGENCY INC | PO BOX 469 AUGUSTA, ME 04332 | EYEMED VISION CARE - FIDELITY SECURITY LIFE INSURANCE CO. | $508 | — | $508 | 9.11% |
| LIAZON BENEFITS INC Filed as: LIAZON CORPORATION EXCHANGE | 199 SCOTT ST FL 8 BUFFALO, NY 14204 | EYEMED VISION CARE - FIDELITY SECURITY LIFE INSURANCE CO. | $254 | — | $254 | 4.55% |
| BUSINESS INSURANCE AGENCY Filed as: BUSINESS INSURANCE AGENCY INC | PO BOX 469 AUGUSTA, ME 04332 | EYEMED VISION CARE-FIDELITY SECURITY LIFE INSURANCE CO | $383 | — | $383 | 9.00% |
| LIAZON BENEFITS INC Filed as: LIAZON CORPORATION EXCHANGE | 199 SCOTT ST FL 8 BUFFALO, NY 14204 | EYEMED VISION CARE-FIDELITY SECURITY LIFE INSURANCE CO | $191 | — | $191 | 4.49% |
| CROSS BENEFIT SOLUTIONS | PO BOX 469 AUGUSTA, ME 04332 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $348 | — | $348 | 9.99% |
| LIAZON BENEFITS INC | 199 SCOTT ST FL 8 BUFFOLO, NY 14204 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $174 | — | $174 | 5.00% |
| BUSINESS INSURANCE AGENCY Filed as: BUSINESS INSURANCE AGENCY INC | PO BOX 469 AUGUSTA, ME 04332 | HARVARD PILGRIM HEALTH CARE | $18 | — | $18 | 1.24% |
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 | 239 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 239 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(11 contracts, 3 carriers) | HARVARD PILGRIM HEALTH CARE | 56 | $1.2M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 194 | $68K |
| Vision(2 contracts) | EYEMED VISION CARE - FIDELITY SECURITY LIFE INSURANCE CO. | 72 | $10K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 239 | $39K |
| Short-term disability | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 18 | $13K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 145 | $18K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 239 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 239 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.