| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DR STE 2 AUGUSTA, ME 04330 | HARVARD PILGRIM HEALTH CARE | $11K | — | $11K | 2.58% |
| CROSS INSURANCE3 | 491 MAIN ST PO BOX 1388 BANGOR, ME 04401 | HARVARD PILGRIM HEALTH CARE | $2K | — | $2K | 0.56% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DR STE 2 AUGUSTA, ME 04330 | HARVARD PILGRIM HEALTH CARE | $10K | — | $10K | 2.66% |
| CROSS INSURANCE3 | 491 MAIN ST PO BOX 1388 BANGOR, ME 04401 | HARVARD PILGRIM HEALTH CARE | $2K | — | $2K | 0.57% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DR STE 2 AUGUSTA, ME 04330 | HARVARD PILGRIM HEALTH CARE | $5K | — | $5K | 2.82% |
| CROSS INSURANCE3 | 491 MAIN ST PO BOX 1388 BANGOR, ME 04401 | HARVARD PILGRIM HEALTH CARE | $1K | — | $1K | 0.61% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DR STE 2 AUGUSTA, ME 04330 | HPHC INSURANCE COMPANY | $5K | — | $5K | 2.66% |
| CROSS INSURANCE3 | 491 MAIN ST PO BOX 1388 BANGOR, ME 04401 | HPHC INSURANCE COMPANY | $1K | — | $1K | 0.57% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DR STE 2 AUGUSTA, ME 04330 | DELTA DENTAL PLAN OF MAINE | $4K | — | $4K | 4.58% |
| CROSS BENEFIT SOLUTIONS | PO BOX 1388 BANGOR, ME 04401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $1K | $5K | 20.97% |
| JAMES R NELLIGAN & ASSOCIATES LLC Filed as: JAMES R NELLIGAN AND ASSOCIATES | STE 368 1933 STATE ROUTE 35 WALL, NJ 07719 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $980 | $2K | 9.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC Filed as: JAMES R NELLIGAN AND ASSOCIATES | STE 368 1933 STATE ROUTE 35 WALL, NJ 07719 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $928 | $2K | 9.00% |
| CROSS BENEFIT SOLUTIONS3 | 491 MAIN ST PO BOX 1388 BANGOR, ME 04401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $1K | $1K | 5.00% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DR STE 2 AUGUSTA, ME 04330 | RED TREE INSURANCE COMPANY, INC. | $1K | — | $1K | 9.19% |
| COMBINED SERVICES LLC | PO BOX 1320 CONCORD, NH 03302 | RED TREE INSURANCE COMPANY, INC. | $171 | — | $171 | 1.38% |
| CROSS INSURANCE3 | 491 MAIN ST PO BOX 1388 BANGOR, ME 04401 | UNUM INSURANCE COMPANY | $1K | $415 | $2K | 20.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC Filed as: JAMES R NELLIGAN AND ASSOCIATES | STE 368 1933 STATE ROUTE 35 WALL, NJ 07719 | UNUM INSURANCE COMPANY | $415 | — | $415 | 5.00% |
| CROSS INSURANCE3 | 491 MAIN ST PO BOX 1388 BANGOR, ME 04401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $408 | $1K | 18.07% |
| JAMES R NELLIGAN & ASSOCIATES LLC Filed as: JAMES R NELLIGAN AND ASSOCIATES | STE 368 1933 STATE ROUTE 35 WALL, NJ 07719 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $408 | $326 | $734 | 9.03% |
| CROSS INSURANCE3 | 491 MAIN ST PO BOX 1388 BANGOR, ME 04401 | UNUM INSURANCE COMPANY | $1K | $386 | $2K | 20.16% |
| JAMES R NELLIGAN & ASSOCIATES LLC Filed as: JAMES R NELLIGAN AND ASSOCIATES | STE 368 1933 STATE ROUTE 35 WALL, NJ 07719 | UNUM INSURANCE COMPANY | $386 | — | $386 | 5.05% |
| CROSS INSURANCE3 | 491 MAIN ST PO BOX 1388 BANGOR, ME 04401 | UNUM INSURANCE COMPANY | $864 | $288 | $1K | 20.02% |
| JAMES R NELLIGAN & ASSOCIATES LLC Filed as: JAMES R NELLIGAN AND ASSOCIATES | STE 368 1933 STATE ROUTE 35 WALL, NJ 07719 | UNUM INSURANCE COMPANY | $288 | — | $288 | 5.01% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DR STE 2 AUGUSTA, ME 04330 | HARVARD PILGRIM HEALTH CARE | $106 | — | $106 | 3.73% |
| CROSS INSURANCE3 | 491 MAIN ST PO BOX 1388 BANGOR, ME 04401 | HARVARD PILGRIM HEALTH CARE | $23 | — | $23 | 0.81% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DR STE 2 AUGUSTA, ME 04330 | HARVARD PILGRIM HEALTH CARE | $22 | — | $22 | 1.35% |
| CROSS INSURANCE3 | 491 MAIN ST PO BOX 1388 BANGOR, ME 04401 | HARVARD PILGRIM HEALTH CARE | $5 | — | $5 | 0.31% |
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 | 145 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 145 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 2 carriers) | HARVARD PILGRIM HEALTH CARE | 72 | $1.2M |
| Dental | DELTA DENTAL PLAN OF MAINE | 181 | $80K |
| Vision | RED TREE INSURANCE COMPANY, INC. | 124 | $12K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 145 | $24K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 38 | $16K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 145 | $24K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 145 | $62K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 181 | — |
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.