| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROSS BENEFIT SOLUTIONS | 116 COMMUNITY DRIVE SUITE 2 AUGUSTA, ME 04330 | HARVARD PILGRIM HEALTH CARE | $9K | — | $9K | 2.08% |
| CGI EMPLOYEE BENEFITS GROUP Filed as: CGI BUSINESS SOLUTIONS | 5 DARTMOUTH DRIVE AUBURN, NH 03032 | HARVARD PILGRIM HEALTH CARE | $3K | — | $3K | 0.74% |
| CROSS INSURANCE Filed as: CROSS INSURANCE BANGOR | PO BOX 133 BANGOR, ME 04402 | HARVARD PILGRIM HEALTH CARE | — | $3K | $3K | 0.68% |
| CROSS BENEFIT SOLUTIONS | 116 COMMUNITY DRIVE SUITE 2 AUGUSTA, ME 04330 | HARVARD PILGRIM HEALTH CARE | $9K | — | $9K | 2.14% |
| CGI EMPLOYEE BENEFITS GROUP Filed as: CGI BUSINESS SOLUTIONS | 5 DARTMOUTH DRIVE AUBURN, NH 03032 | HARVARD PILGRIM HEALTH CARE | $3K | — | $3K | 0.76% |
| CROSS INSURANCE Filed as: CROSS INSURANCE BANGOR | PO BOX 133 BANGOR, ME 04402 | HARVARD PILGRIM HEALTH CARE | — | $3K | $3K | 0.70% |
| CROSS BENEFIT SOLUTIONS | 116 COMMUNITY DRIVE SUITE 2 AUGUSTA, ME 04330 | HARVARD PILGRIM HEALTH CARE | $4K | — | $4K | 2.04% |
| CGI EMPLOYEE BENEFITS GROUP Filed as: CGI BUSINESS SOLUTIONS | 5 DARTMOUTH DRIVE AUBURN, NH 03032 | HARVARD PILGRIM HEALTH CARE | $1K | — | $1K | 0.72% |
| CROSS INSURANCE Filed as: CROSS INSURANCE BANGOR | PO BOX 133 BANGOR, ME 04402 | HARVARD PILGRIM HEALTH CARE | — | $1K | $1K | 0.67% |
| CROSS BENEFIT SOLUTIONS | 116 COMMUNITY DRIVE SUITE 2 AUGUSTA, ME 04330 | HPHC INSURANCE COMPANY | $4K | — | $4K | 2.11% |
| CGI EMPLOYEE BENEFITS GROUP Filed as: CGI BUSINESS SOLUTIONS | 5 DARTMOUTH DRIVE SUITE 2 AUBURN, NH 03032 | HPHC INSURANCE COMPANY | $1K | — | $1K | 0.75% |
| CROSS INSURANCE Filed as: CROSS INSURANCE BANGOR | PO BOX 133 SUITE 2 BANGOR, ME 04402 | HPHC INSURANCE COMPANY | — | $1K | $1K | 0.69% |
| CROSS BENEFIT SOLUTIONS | 116 COMMUNITY DRIVE SUITE 2 AUGUSTA, ME 04332 | DELTA DENTAL PLAN OF MAINE | $2K | $1K | $3K | 4.21% |
| CRONIN GERVINO & WARLICK INC | DBA CGI EMPLOYEE BENEFITS 5 DARTMOUTH DR AUBURN, ME 03032 | DELTA DENTAL PLAN OF MAINE | $720 | $1K | $2K | 2.30% |
| CROSS BENEFIT SOLUTIONS | 116 COMMUNITY DRIVE SUITE 2 AUGUSTA, ME 04332 | DELTA DENTAL PLAN OF MAINE | $1K | — | $1K | 1.30% |
| CROSS BENEFIT SOLUTIONS | PO BOX 1388 BANGOR, ME 04401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 13.87% |
| JAMES R NELLIGAN & ASSOCIATES LLC Filed as: JAMES R NELLIGAN & ASSOCIATES | STE 368 1933 STATE ROUTE 35 WALL, NJ 07719 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $1K | $1K | 5.37% |
| CROSS INSURANCE Filed as: CROSS INSURANCE BANGOR | 491 MAIN ST PO BOX 1388 BANGOR, ME 04401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $963 | $963 | 3.56% |
| CRONIN GERVINO & WARLICK INC Filed as: CRONIN & GERVINO & WARLICK INC | STE 101 5 DARTMOUTH DR AUBURN, NH 03032 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $577 | $81 | $658 | 2.43% |
| CROSS BENEFIT SOLUTIONS | PO BOX 1388 BANGOR, ME 04401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 11.66% |
| JAMES R NELLIGAN & ASSOCIATES LLC Filed as: JAMES R NELLIGAN & ASSOCIATES | STE 368 1933 STATE ROUTE 35 WALL, NJ 07719 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $1K | $1K | 5.34% |
| CROSS INSURANCE Filed as: CROSS INSURANCE BANGOR | 491 MAIN ST PO BOX 1388 BANGOR, ME 04401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $960 | $960 | 3.67% |
| CRONIN GERVINO & WARLICK INC Filed as: CRONIN &GERVINO & WARLICK INC | STE101 5 DARTMOUTH DRIVE AUBURN, NH 03032 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $350 | $61 | $411 | 1.57% |
| CROSS BENEFIT SOLUTIONS | 116 COMMUNITY DRIVE AUGUSTA, ME 04330 | RED TREE INSURANCE COMPANY, INC. | $709 | — | $709 | 5.41% |
| CROSS BENEFIT SOLUTIONS | 116 COMMUNITY DRIVE SUITE 2 AUGUSTA, ME 04332 | RED TREE INSURANCE COMPANY, INC. | $350 | — | $350 | 2.67% |
| CRONIN GERVINO & WARLICK INC | DBA CGI EMPLOYEE BENEFITS 5 DARTMOUTH DRIVE AUBURN, NH 03032 | RED TREE INSURANCE COMPANY, INC. | $238 | — | $238 | 1.82% |
| COMBINED SERVICES LLC | DBA CSONE BENEFIT SOLUTIONS PO BOX 1320 CONCORD, NH 03302 | RED TREE INSURANCE COMPANY, INC. | $195 | — | $195 | 1.49% |
| CROSS BENEFIT SOLUTIONS | PO BOX 1388 BANGOR, ME 04401 | UNUM INSURANCE COMPANY | $1K | — | $1K | 13.70% |
| JAMES R NELLIGAN & ASSOCIATES LLC Filed as: JAMES R NELLIGAN & ASSOCIATES | STE 368 1933 STATE ROUTE 35 WALL, NJ 07719 | UNUM INSURANCE COMPANY | — | $499 | $499 | 4.99% |
| CROSS INSURANCE | 491 MAIN ST PO BOX 1388 BANGOR, ME 04401 | UNUM INSURANCE COMPANY | — | $253 | $253 | 2.53% |
| CRONIN GERVINO & WARLICK INC Filed as: CRONIN & GERVINO & WARLICK INC | STE101 5 DARTMOUTH DRIVE AUBURN, NH 03032 | UNUM INSURANCE COMPANY | $130 | $11 | $141 | 1.41% |
| CROSS BENEFIT SOLUTIONS | 116 COMMUNITY DRIVE SUITE 2 AUGUSTA, ME 04330 | HARVARD PILGRIM HEALTH CARE | $138 | — | $138 | 1.56% |
| CGI EMPLOYEE BENEFITS GROUP Filed as: CGI BUSINESS SOLUTIONS | 5 DARTMOUTH DRIVE AUBURN, NH 03032 | HARVARD PILGRIM HEALTH CARE | $49 | — | $49 | 0.55% |
| CROSS INSURANCE Filed as: CROSS INSURANCE BANGOR | PO BOX 133 BANGOR, ME 04402 | HARVARD PILGRIM HEALTH CARE | — | $45 | $45 | 0.51% |
| CROSS BENEFIT SOLUTIONS | PO BOX 1388 BANGOR, ME 04401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $997 | — | $997 | 11.67% |
| JAMES R NELLIGAN & ASSOCIATES LLC Filed as: JAMES R NELLIGAN & ASSOCIATES | STE 368 1933 STATE ROUTE 35 WALL, NJ 07719 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $456 | $456 | 5.34% |
| CROSS INSURANCE | 491 MAIN ST PO BOX 1388 BANGOR, ME 04401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $314 | $314 | 3.67% |
| CRONIN GERVINO & WARLICK INC Filed as: CRONIN & GERVINO & WARLICK INC | STE101 5 DARTMOUTH DRIVE AUBURN, NH 03032 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $110 | $19 | $129 | 1.51% |
| CROSS BENEFIT SOLUTIONS | PO BOX 1388 BANGOR, ME 04401 | UNUM INSURANCE COMPANY | $1K | — | $1K | 14.77% |
| JAMES R NELLIGAN & ASSOCIATES LLC Filed as: JAMES R NELLIGAN & ASSOCIATES | STE 368 1933 STATE ROUTE 35 WALL, NJ 07719 | UNUM INSURANCE COMPANY | — | $380 | $380 | 4.97% |
| CROSS INSURANCE | 491 MAIN ST PO BOX 1388 BANGOR, ME 04401 | UNUM INSURANCE COMPANY | — | $214 | $214 | 2.80% |
| CRONIN GERVINO & WARLICK INC Filed as: CRONIN & GERVINO & WARLICK INC | STE101 5 DARTMOUTH DRIVE AUBURN, NH 03032 | UNUM INSURANCE COMPANY | $9 | $1 | $10 | 0.13% |
| CROSS BENEFIT SOLUTIONS | PO BOX 1388 BANGOR, ME 04401 | UNUM INSURANCE COMPANY | $766 | — | $766 | 14.94% |
| JAMES R NELLIGAN & ASSOCIATES LLC Filed as: JAMES R NELLIGAN & ASSOCIATES | STE 368 1933 STATE ROUTE 35 WALL, NJ 07719 | UNUM INSURANCE COMPANY | — | $255 | $255 | 4.97% |
| CROSS INSURANCE | 491 MAIN ST PO BOX 1388 BANGOR, ME 04401 | UNUM INSURANCE COMPANY | — | $137 | $137 | 2.67% |
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 | 110 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 2 carriers) | HARVARD PILGRIM HEALTH CARE | 78 | $1.2M |
| Dental | DELTA DENTAL PLAN OF MAINE | 193 | $81K |
| Vision | RED TREE INSURANCE COMPANY, INC. | 142 | $13K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 158 | $53K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 39 | $9K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 158 | $27K |
| Other(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 158 | $76K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 193 | — |
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.