| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROSS BENEFIT SOLUTIONS3 Filed as: CROSS BENEFITS SOLUTIONS | PO BOX 469 AUGUSTA, ME 04332 | ANTHEM HEALTH PLANS OF MAINE, INC | $14K | — | $14K | 3.45% |
| CROSS BENEFIT SOLUTIONS3 | 1085 BRIGHTON AVENUE PORTLAND, ME 04102 | ANTHEM HEALTH PLANS OF MAINE, INC | $5K | — | $5K | 1.29% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE AUGUSTA, ME 04330 | ANTHEM HEALTH PLANS OF MAINE - DENTAL | $3K | — | $3K | 4.60% |
| CROSS BENEFIT SOLUTIONS3 | PO BOX 469 AUGUSTA, ME 04332 | ANTHEM LIFE INSURANCE COMPANY | $3K | $810 | $4K | 15.25% |
| CROSS BENEFIT SOLUTIONS3 | 1085 BRIGHTON AVENUE PORTLAND, ME 04102 | ANTHEM LIFE INSURANCE COMPANY | $1K | — | $1K | 4.26% |
| CROSS BENEFIT SOLUTIONS | PO BOX 469 AUGUSTA, ME 04332 | COLONIAL LIFE & ACCIDENT INS. CO. | $1K | — | $1K | 7.85% |
| AFFORDABLE BENEFITS SOLUTIONS INC3 Filed as: AFFORDABLE BENEFITS SOLUTION INC | 401 CUMBERLAND AVENUE PORTLAND, ME 04101 | COLONIAL LIFE & ACCIDENT INS. CO. | $475 | — | $475 | 3.30% |
| EMPLOYEE BENEFIT CONSULTANTS3 | C/O COLONIAL LIFE INS CO PORTLAND, ME 04101 | COLONIAL LIFE & ACCIDENT INS. CO. | $265 | — | $265 | 1.84% |
| PATRICIA B GARDNER3 Filed as: PATRICIA GARDNER | 35 VILLAGEWOODS CIRCLE GORHAM, ME 04038 | COLONIAL LIFE & ACCIDENT INS. CO. | $123 | $1 | $124 | 0.86% |
| DEBORAH ANN SULLIVAN3 | 27 HEMLOCK RIDGE NORTH YARMOUTH, ME 04097 | COLONIAL LIFE & ACCIDENT INS. CO. | $99 | $21 | $120 | 0.83% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND LLC | 275 US ROUTE 1 CUMBERLAND, ME 04110 | COLONIAL LIFE & ACCIDENT INS. CO. | $94 | — | $94 | 0.65% |
| ROBERT T WALKER3 Filed as: ROBERT WALKER | 10 RED BARN CIRCLE SCARBOROUGH, ME 04074 | COLONIAL LIFE & ACCIDENT INS. CO. | $68 | $24 | $92 | 0.64% |
| ALLISON WALKER3 | 10 RED BARN CIRCLE SCARBOROUGH, ME 04074 | COLONIAL LIFE & ACCIDENT INS. CO. | $10 | $3 | $13 | 0.09% |
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 | 142 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 142 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF MAINE - DENTAL | 92 | $59K |
| Vision(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF MAINE, INC | 87 | $418K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 142 | $25K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 142 | $25K |
| Other | COLONIAL LIFE & ACCIDENT INS. CO. | 28 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 142 | — |
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.