| 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 | 7.18% |
| BUSINESS INSURANCE AGENCY DBA CROSS3 Filed as: BUSINESS INS AGENCY INC | 116 COMMUNITY DR AUGUSTA, ME 043308009 | AMERITAS LIFE INS GROUP | $3K | $376 | $3K | 4.94% |
| BUSINESS INSURANCE AGENCY DBA CROSS3 Filed as: BUSINESS INS AGENCY | PO BOX 469 AUGUSTA, ME 04332 | HARTFORD PILGRIM HEALTHCARE PPO | $4K | — | $4K | 7.18% |
| BUSINESS INSURANCE AGENCY DBA CROSS3 Filed as: BUSINESS INS AGENCY, INC | PO BOX 469 AUGUSTA, ME 04332 | COLONIAL LIFE & ACCIDENT INS. CO. | $1K | $18 | $1K | 7.33% |
| AFFORDABLE BENEFITS SOLUTIONS INC3 Filed as: AFFORDABLE BENEFIT SOLUTION, INC | 401 CUMBERLAND AVE PORTLAND, ME 04101 | COLONIAL LIFE & ACCIDENT INS. CO. | $899 | $212 | $1K | 5.64% |
| EMPLOYEE BENEFIT CONSULTANTS3 | 40 COLONIAL LIFE INS CO PORTLAND, ME 04101 | COLONIAL LIFE & ACCIDENT INS. CO. | $769 | $96 | $865 | 4.39% |
| PATRICIA B GARDNER3 | 35 VILLAGEWOODS CIRCLE GORHAM, ME 04038 | COLONIAL LIFE & ACCIDENT INS. CO. | $734 | $50 | $784 | 3.98% |
| NORTON FINANCIAL SERVICES3 Filed as: NORTON FINANCIAL SERVICES INC. | 275 US ROUTE 1 CUMBERLAND, ME 04110 | COLONIAL LIFE & ACCIDENT INS. CO. | $106 | — | $106 | 0.54% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND | 275 US ROUTE 1 CUMBERLAND FORSIDE, ME 04110 | COLONIAL LIFE & ACCIDENT INS. CO. | $10 | — | $10 | 0.05% |
| BUSINESS INSURANCE AGENCY3 | PO BOX 469 AUGUSTA, ME 04330 | THE LINCOLN NATIONAL LIFE INS. COMPANY | $2K | $116 | $2K | 11.30% |
| BUSINESS INSURANCE AGENCY3 | PO BOX 469 AUGUSTA, ME 04330 | THE LINCOLN NATIONAL LIFE INS. COMPANY | $630 | $50 | $680 | 4.21% |
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 | 144 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 144 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HARTFORD PILGRIM HEALTHCARE PPO HSA | 60 | $260K |
| Dental | AMERITAS LIFE INS GROUP | 84 | $63K |
| Vision | AMERITAS LIFE INS GROUP | 84 | $63K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INS. CO. | 140 | $36K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INS. COMPANY | 140 | $16K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INS. CO. | 140 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 140 | — |
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.