| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROSS BENEFIT SOLUTIONS | 116 COMMUNITY DR SUITE 2 AUGUSTA, ME 04330 | HARVARD PILGRIM HEALTH CARE | $40K | — | $40K | 3.92% |
| CROSS BENEFIT SOLUTIONS | 116 COMMUNITY DR SUITE 2 AUGUSTA, ME 04330 | HPHC INSURANCE COMPANY | $5K | — | $5K | 3.86% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DR SUITE 2 AUGUSTA, ME 04330 | METROPOLITAN LIFE INSURANCE | $9K | $2K | $11K | 11.74% |
| LIAZON BENEFITS INC5 | 199 SCOTT ST, FL 8 BUFFALO, NY 14204 | METROPOLITAN LIFE INSURANCE | — | $5K | $5K | 5.00% |
| CROSS BENEFIT SOLUTIONS | 116 COMMUNITY DR SUITE 2 AUGUSTA, ME 04330 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 24.09% |
| CROSS BENEFIT SOLUTIONS | 116 COMMUNITY DR SUITE 2 AUGUSTA, ME 04330 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 14.83% |
| CROSS BENEFIT SOLUTIONS | 116 COMMUNITY DR SUITE 2 AUGUSTA, ME 04330 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $743 | — | $743 | 10.00% |
| LIAZON BENEFITS INC Filed as: LIAZON CORPORATION | 199 SCOTT ST SUITE 800 BUFFALO, NY 14204 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $371 | $371 | 4.99% |
| CROSS BENEFIT SOLUTIONS | 2331 CONGRESS ST PORTLAND, ME 04102 | EYEMED VISION CARE ON BEHALF OF FIDELITY LIFE INSURANCE COMPANY | $1K | — | $1K | 17.90% |
| LIAZON BENEFITS INC Filed as: LIAZON CORPORATION-EXCHANGE | 199 SCOTT ST, FL 8 BUFFALO, NY 14204 | EYEMED VISION CARE ON BEHALF OF FIDELITY LIFE INSURANCE COMPANY | — | $289 | $289 | 4.34% |
| CROSS BENEFIT SOLUTIONS | 116 COMMUNITY DR SUITE 2 AUGUSTA, ME 04330 | GUARDIAN | $482 | $183 | $665 | 13.81% |
| LIAZON BENEFITS INC | 199 SCOTT ST FL 8 BUFFALO, NY 14204 | GUARDIAN | $241 | — | $241 | 5.01% |
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 | 135 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HARVARD PILGRIM HEALTH CARE | 136 | $1.2M |
| Dental | METROPOLITAN LIFE INSURANCE | 206 | $94K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY LIFE INSURANCE COMPANY | 107 | $7K |
| Life insurance | METROPOLITAN LIFE INSURANCE | 206 | $94K |
| Short-term disability(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 40 | $25K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 135 | $17K |
| Prescription drug(2 contracts, 2 carriers) | HARVARD PILGRIM HEALTH CARE | 136 | $1.2M |
| Other(2 contracts, 2 carriers) | HARVARD PILGRIM HEALTH CARE | 206 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 206 | — |
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."
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.