| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROSS BENEFIT SOLUTIONS3 | PO BOX 469 AUGUSTA, ME 04330 | HARVARD PILGRIM HEALTH CARE | $42K | — | $42K | 3.18% |
| CROSS BENEFIT SOLUTIONS3 | PO BOX 1388 BANGOR, ME 04330 | HARVARD PILGRIM HEALTH CARE | $25K | — | $25K | 3.42% |
| CROSS BENEFIT SOLUTIONS3 | 491 MAIN STREET, PO BOX 1388 BANGOR, ME 04401 | HARVARD PILGRIM HEALTH CARE | $10K | — | $10K | 3.14% |
| CROSS BENEFIT SOLUTIONS3 | PO BOX 1388 BANGOR, ME 04401 | ANTHEM HEALTH PLANS OF MAINE | $5K | — | $5K | 2.66% |
| CROSS BENEFIT SOLUTIONS3 | PO BOX 1388 BANGOR, ME 04401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 6.18% |
| CROSS INSURANCE3 | 491 MAIN STREET, PO BOX 1388 BANGOR, ME 04401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $3K | $3K | 2.00% |
| CROSS BENEFIT SOLUTIONS3 | PO BOX 1388 BANGOR, ME 04401 | HARVARD PILGRIM HEALTH CARE | $515 | — | $515 | 5.38% |
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 | 310 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 310 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | HARVARD PILGRIM HEALTH CARE | 176 | $2.4M |
| Dental | ANTHEM HEALTH PLANS OF MAINE | 310 | $183K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 455 | $152K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 455 | $152K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 455 | $152K |
| Other(2 contracts) | HARVARD PILGRIM HEALTH CARE | 139 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 455 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.