| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DR STE 2 AUGUSTA, ME 04330 | HARVARD PILGRIM HEALTH CARE | $17K | — | $17K | 4.21% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DR STE 2 AUGUSTA, ME 04330 | HARVARD PILGRIM HEALTH CARE | $12K | — | $12K | 4.27% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DR STE 2 AUGUSTA, ME 04330 | HPHC INSURANCE COMPANY | $6K | — | $6K | 3.91% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DR STE 2 AUGUSTA, ME 04330 | HARVARD PILGRIM HEALTH CARE | $6K | — | $6K | 4.75% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DR STE 2 AUGUSTA, ME 04330 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | — | $10K | 9.94% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DR STE 2 AUGUSTA, ME 04330 | HARVARD PILGRIM HEALTH CARE | $510 | — | $510 | 2.99% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DR STE 2 AUGUSTA, ME 04330 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 14.61% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DR STE 2 AUGUSTA, ME 04330 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $727 | — | $727 | 9.07% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DR STE 2 AUGUSTA, ME 04330 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $798 | — | $798 | 10.80% |
| LIAZON BENEFITS INC | 199 SCOTT ST 8TH FL BUFFALO, NY 14204 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $214 | $214 | 2.90% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DR STE 2 AUGUSTA, ME 04330 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $295 | — | $295 | 9.24% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DR STE 2 AUGUSTA, ME 04330 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $22 | — | $22 | 10.09% |
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 | 137 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 235 | $105K |
| Vision(3 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 76 | $11K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 235 | $105K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 49 | $7K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 137 | $16K |
| Other(3 contracts, 2 carriers) | HARVARD PILGRIM HEALTH CARE | 235 | $413K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 235 | — |
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.