| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROSS BENEFIT SOLUTIONS | PO BOX 469 AUGUSTA, ME 04332 | HARVARD PILGRIM HEALTH CARE | $13K | — | $13K | 2.94% |
| CROSS BENEFIT SOLUTIONS | PO BOX 469 AUGUSTA, ME 04332 | HARVARD PILGRIM HEALTH CARE | $6K | — | $6K | 2.94% |
| CROSS BENEFIT SOLUTIONS | PO BOX 469 AUGUSTA, ME 04332 | HARVARD PILGRIM HEALTH CARE | $4K | — | $4K | 2.94% |
| CROSS BENEFIT SOLUTIONS | PO BOX 469 AUGUSTA, ME 04332 | HARVARD PILGRIM HEALTH CARE | $3K | — | $3K | 2.94% |
| CROSS BENEFIT SOLUTIONS3 | PO BOX 469 AUGUSTA, ME 04332 | METROPOLITAN LIFE INSURANE COMPANY | $10K | — | $10K | 9.47% |
| LIAZON BENEFITS INC5 Filed as: LIAZON BENEFITS INC. | 199 SCOTT ST FLOOR 8 BUFFALO, NY 14204 | METROPOLITAN LIFE INSURANE COMPANY | — | $5K | $5K | 5.00% |
| CROSS BENEFIT SOLUTIONS | PO BOX 469 AUGUSTA, ME 04332 | HPHC INSURANCE COMPANY | $3K | — | $3K | 2.94% |
| CROSS BENEFIT SOLUTIONS | PO BOX 469 AUGUSTA, ME 04332 | HARVARD PILGRIM HEALTH CARE | $2K | — | $2K | 2.94% |
| CROSS BENEFIT SOLUTIONS | PO BOX 469 AUGUSTA, ME 04332 | HARVARD PILGRIM HEALTH CARE | $2K | — | $2K | 2.94% |
| CROSS BENEFIT SOLUTIONS | PO BOX 469 AUGUSTA, ME 04332 | HPHC INSURANCE COMPANY | $2K | — | $2K | 2.94% |
| CROSS INSURANCE Filed as: CROSS | PO BOX 469 AUGUSTA, ME 04332 | HPHC INSURANCE COMPANY | $859 | — | $859 | 2.94% |
| CROSS BENEFIT SOLUTIONS | PO BOX 469 AUGUSTA, ME 04332 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 14.57% |
| CROSS BENEFIT SOLUTIONS | PO BOX 469 AUGUSTA, ME 04332 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 27.20% |
| CROSS BENEFIT SOLUTIONS | PO BOX 469 AUGUSTA, ME 04332 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 10.00% |
| LIAZON BENEFITS INC Filed as: LIAZON BENEFITS INC. | 199 SCOTT ST FLOOR 8 BUFFALO, NY 14204 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $564 | $564 | 5.00% |
| CROSS BENEFIT SOLUTIONS | PO BOX 469 AUGUSTA, ME 04332 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $969 | — | $969 | 9.70% |
| LIAZON BENEFITS INC Filed as: LIAZON BENEFITS INC. | 199 SCOTT ST FLOOR 8 BUFFALO, NY 14204 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $484 | — | $484 | 4.84% |
| CROSS BENEFIT SOLUTIONS | PO BOX 469 AUGUSTA, ME 04332 | GUARDIAN | $354 | $139 | $493 | 13.94% |
| LIAZON BENEFITS INC Filed as: LIAZON BENEFITS INC. | 199 SCOTT ST FLOOR 8 BUFFALO, NY 14204 | GUARDIAN | $177 | — | $177 | 5.01% |
| CROSS BENEFIT SOLUTIONS | PO BOX 469 AUGUSTA, ME 04332 | HARVARD PILGRIM HEALTH CARE | $48 | — | $48 | 2.94% |
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 | 224 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 224 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANE COMPANY | 224 | $101K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 117 | $10K |
| Life insurance | METROPOLITAN LIFE INSURANE COMPANY | 224 | $101K |
| Short-term disability(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 45 | $25K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 141 | $16K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANE COMPANY | 224 | $119K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 224 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.