| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE SUITE 2 AUGUSTA, ME 04332 | HARVARD PILGRIM HEALTH CARE | $11K | — | $11K | 2.38% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE SUITE 2 AUGUSTA, ME 04332 | HARVARD PILGRIM HEALTH CARE | $4K | — | $4K | 2.31% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE SUITE 2 AUGUSTA, ME 04332 | HPHC INSURANCE COMPANY | $4K | — | $4K | 2.37% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE SUITE 2 AUGUSTA, ME 04332 | HARVARD PILGRIM HEALTH CARE | $3K | — | $3K | 2.31% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE SUITE 2 AUGUSTA, ME 04332 | HARVARD PILGRIM HEALTH CARE | $3K | — | $3K | 2.39% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE SUITE 2 AUGUSTA, ME 04330 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | — | $10K | 9.51% |
| LIAZON BENEFITS INC5 | 199 SCOTT ST SUITE 800 BUFFALO, NY 14204 | METROPOLITAN LIFE INSURANCE COMPANY | — | $5K | $5K | 5.00% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE SUITE 2 AUGUSTA, ME 04332 | HARVARD PILGRIM HEALTH CARE | $2K | — | $2K | 2.31% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE SUITE 2 AUGUSTA, ME 04332 | HPHC INSURANCE COMPANY | $2K | — | $2K | 2.38% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE SUITE 2 AUGUSTA, ME 04332 | HPHC INSURANCE COMPANY | $2K | — | $2K | 2.43% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE SUITE 2 AUGUSTA, ME 04332 | HARVARD PILGRIM HEALTH CARE | $1K | — | $1K | 2.21% |
| CROSS BENEFIT SOLUTIONS | 116 COMMUNITY DRIVE SUITE 2 AUGUSTA, ME 04330 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 25.77% |
| CROSS BENEFIT SOLUTIONS3 Filed as: CROSS BENEFTI SOLUTIONS | 116 COMMUNITY DRIVE SUITE 2 AUGUSTA, ME 04330 | CIGNA/LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 15.00% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE SUITE 2 AUGUSTA, ME 04330 | EYEMED VISION CARE/FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 9.83% |
| LIAZON BENEFITS INC5 Filed as: LIAZON CORPORATION | 199 SCOTT ST 8TH FL BUFFALO, NY 14204 | EYEMED VISION CARE/FIDELITY SECURITY LIFE INSURANCE COMPANY | — | $551 | $551 | 4.92% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE AUGUSTA, ME 04330 | CIGNA/LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 10.00% |
| LIAZON BENEFITS INC5 Filed as: LIAZON CORPORATION | 199 SCOTT ST SUITE 800 BUFFALO, NY 14204 | CIGNA/LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $534 | $534 | 5.00% |
| CROSS BENEFIT SOLUTIONS | 116 COMMUNITY DRIVE AUGUSTA, ME 04330 | GUARDIAN | $361 | $124 | $485 | 13.44% |
| LIAZON BENEFITS INC | 199 SCOTT ST 8TH FL BUFFALO, NY 14204 | GUARDIAN | $180 | — | $180 | 4.99% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE SUITE 2 AUGUSTA, ME 04332 | HARVARD PILGRIM HEALTH CARE | $88 | — | $88 | 3.12% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE SUITE 2 AUGUSTA, ME 04332 | HARVARD PILGRIM HEALTH CARE | $47 | — | $47 | 7.04% |
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 | 222 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 222 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 222 | $109K |
| Vision | EYEMED VISION CARE/FIDELITY SECURITY LIFE INSURANCE COMPANY | 126 | $11K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 222 | $109K |
| Short-term disability(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 44 | $27K |
| Long-term disability | CIGNA/LIFE INSURANCE COMPANY OF NORTH AMERICA | 139 | $15K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 222 | $125K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 222 | — |
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.