| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROSS BENEFIT SOLUTIONS3 | 491 MAIN ST BANGOR, ME 04401 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 15.18% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC LLC | 1933 STATE ROUTE 35, STE 368 WALL, NJ 07719 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 5.00% |
| CROSS BENEFIT SOLUTIONS3 | 491 MAIN ST BANGOR, ME 04401 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 9.28% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC LLC | 1933 STATE ROUTE 35, STE 368 WALL, NJ 07719 | STANDARD INSURANCE COMPANY | $948 | — | $948 | 5.00% |
| CROSS BENEFIT SOLUTIONS3 | 491 MAIN ST BANGOR, ME 04401 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 17.72% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC LLC | 1933 STATE ROUTE 35, STE 368 WALL, NJ 07719 | STANDARD INSURANCE COMPANY | $681 | — | $681 | 5.00% |
| CROSS BENEFIT SOLUTIONS3 | 491 MAIN ST BANGOR, ME 04401 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 23.93% |
| THE JAMES B OSWALD COMPANY4 Filed as: JAMES R NELLIGAN & ASSOC LLC | 1933 STATE ROUTE 35, STE 368 WALL, NJ 07719 | STANDARD INSURANCE COMPANY | $424 | — | $424 | 5.00% |
| CROSS BENEFIT SOLUTIONS3 | 491 MAIN ST BANGOR, ME 04401 | STANDARD INSURANCE COMPANY | $630 | — | $630 | 12.06% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC LLC | 1933 STATE ROUTE 35, STE 368 WALL, NJ 07719 | STANDARD INSURANCE COMPANY | $261 | — | $261 | 5.00% |
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 | 89 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 89 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STANDARD INSURANCE COMPANY | 44 | $19K |
| Vision | STANDARD INSURANCE COMPANY | 89 | $5K |
| Life insurance | STANDARD INSURANCE COMPANY | 81 | $14K |
| Short-term disability | STANDARD INSURANCE COMPANY | 81 | $32K |
| Long-term disability | STANDARD INSURANCE COMPANY | 13 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 89 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.