| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROSS BENEFIT SOLUTIONS3 | PO BOX 469 AUGUSTA, ME 04332 | HARVARD PILGRIM HEALTH CARE - HMO HSA | $12K | — | $12K | 6.02% |
| CROSS INSURANCE3 Filed as: CROSS INSURANCE - BANGOR | 491 MAIN STREET BANGOR, ME 04401 | HARVARD PILGRIM HEALTH CARE - HMO HSA | $3K | — | $3K | 1.32% |
| CROSS BENEFIT SOLUTIONS3 | PO BOX 469 AUGUSTA, ME 04332 | HARVARD PILGRIM HEALTH CARE - HMO | $7K | — | $7K | 5.99% |
| CROSS INSURANCE3 Filed as: CROSS INSURANCE - BANGOR | 491 MAIN STREET BANGOR, ME 04401 | HARVARD PILGRIM HEALTH CARE - HMO | — | $2K | $2K | 1.31% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE, SUITE 2 AUGUSTA, ME 04330 | ANTHEM LIFE INSURANCE COMPANY | $6K | $521 | $7K | 12.10% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE, SUITE 2 PORTLAND, ME 04330 | ANTHEM HEALTH PLANS OF MAINE, INC. | $2K | $358 | $2K | 7.37% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE AUGUSTA, ME 04332 | RED TREE INSURANCE COMPANY, INC. | $116 | — | $116 | 8.36% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES LLC CSONE BENEFIT | PO BOX 1320 CONCORD, NH 033021320 | RED TREE INSURANCE COMPANY, INC. | $17 | — | $17 | 1.23% |
| CROSS BENEFIT SOLUTIONS3 | PO BOX 469 AUGUSTA, ME 04332 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $90 | — | $90 | 10.51% |
| AFFORDABLE BENEFITS SOLUTIONS INC3 Filed as: AFFORDABLE BENEFITS SOLUTIONS, INC. | 401 CUMBERLAND AVE PORTLAND, ME 04101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | — | $22 | 2.57% |
| EMPLOYEE BENEFIT CONSULTANTS3 | COLONIAL LIFE INS CO PORTLAND, ME 04101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 1.75% |
| CROSS BENEFIT SOLUTIONS3 | PO BOX 469 AUGUSTA, ME 04330 | HPHC INSURANCE COMPANY | $1 | — | $1 | 0.18% |
| CROSS INSURANCE3 Filed as: CROSS INSURANCE - BANGOR | 491 MAIN STREET BANGOR, ME 04401 | HPHC INSURANCE COMPANY | — | — | $0 | 0.00% |
| CROSS BENEFIT SOLUTIONS3 | PO BOX 469 AUGUSTA, ME 04332 | HARVARD PILGRIM HEALTH CARE - HMO HSA | — | — | $0 | 0.00% |
| CROSS INSURANCE3 Filed as: CROSS INSURANCE - BANGOR | 491 MAIN STREET BANGOR, ME 04401 | HARVARD PILGRIM HEALTH CARE - HMO HSA | — | — | $0 | 0.00% |
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 | 88 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 88 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | HARVARD PILGRIM HEALTH CARE - HMO HSA | 36 | $323K |
| Dental | ANTHEM HEALTH PLANS OF MAINE, INC. | 52 | $31K |
| Vision | RED TREE INSURANCE COMPANY, INC. | 44 | $1K |
| Life insurance(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 88 | $56K |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY | 88 | $55K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 88 | $55K |
| Other | ANTHEM LIFE INSURANCE COMPANY | 88 | $55K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 88 | — |
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.