| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BUSINESS INSURANCE AGENCY DBA CROSS3 Filed as: BUSINESS INS. AGENCY | PO BOX 469 AUGUSTA, ME 04332 | HARTFORD PILGRIM HEALTHCARE PPO HSA | $14K | — | $14K | 6.31% |
| BUSINESS INSURANCE AGENCY DBA CROSS3 Filed as: BUSINESS INS AGENCY INC | 116 COMMUNITY DR AUGUSTA, ME 043308009 | AMERITAS LIFE INS GROUP | $3K | $146 | $3K | 4.55% |
| BUSINESS INSURANCE AGENCY DBA CROSS3 Filed as: BUSINESS INS AGENCY | PO BOX 469 AUGUSTA, ME 04332 | HARTFORD PILGRIM HEALTHCARE PPO | $3K | — | $3K | 6.31% |
| AFFORDABLE BENEFITS SOLUTIONS INC3 Filed as: AFFORDABLE BENEFIT SOLUTION, INC | 401 CUMBERLAND AVE PORTLAND, ME 04101 | COLONIAL LIFE & ACCIDENT INS. CO. | $846 | $390 | $1K | 7.07% |
| BUSINESS INSURANCE AGENCY DBA CROSS3 Filed as: BUSINESS INS AGENCY, INC | PO BOX 469 AUGUSTA, ME 04332 | COLONIAL LIFE & ACCIDENT INS. CO. | $1K | $25 | $1K | 6.41% |
| EMPLOYEE BENEFIT CONSULTANTS3 | 40 COLONIAL LIFE INS CO PORTLAND, ME 04101 | COLONIAL LIFE & ACCIDENT INS. CO. | $673 | $70 | $743 | 4.25% |
| PEMELA HUNTINGTON3 | 127 SHAKER RD LOT 30 GRAY, ME 04039 | COLONIAL LIFE & ACCIDENT INS. CO. | $382 | — | $382 | 2.18% |
| PATRICIA B GARDNER3 | 35 VILLAGEWOODS CIRCLE GORHAM, ME 04038 | COLONIAL LIFE & ACCIDENT INS. CO. | $321 | $18 | $339 | 1.94% |
| NORTON FINANCIAL SERVICES3 Filed as: NORTON FINANCIAL SERVICES INC. | 275 US ROUTE 1 CUMBERLAND, ME 04110 | COLONIAL LIFE & ACCIDENT INS. CO. | $147 | — | $147 | 0.84% |
| BUSINESS INSURANCE AGENCY3 | PO BOX 469 AUGUSTA, ME 04330 | THE LINCOLN NATIONAL LIFE INS. COMPANY | $2K | $29 | $2K | 10.57% |
| BUSINESS INSURANCE AGENCY3 | PO BOX 469 AUGUSTA, ME 04330 | THE LINCOLN NATIONAL LIFE INS. COMPANY | $667 | $13 | $680 | 4.13% |
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 | 148 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HARTFORD PILGRIM HEALTHCARE PPO HSA | 62 | $263K |
| Dental | AMERITAS LIFE INS GROUP | 86 | $63K |
| Vision | AMERITAS LIFE INS GROUP | 86 | $63K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INS. CO. | 148 | $34K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INS. COMPANY | 148 | $16K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INS. CO. | 148 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 148 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.