| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROSS BENEFIT SOLUTIONS3 | PO BOX 469 AUGUSTA, ME 04330 | HARVARD PILGRIM HEALTH CARE | $29K | — | $29K | 3.06% |
| CROSS BENEFIT SOLUTIONS3 Filed as: CROSS FINANCIAL INSURANCE | PO BOX 1388 BANGOR, ME 04401 | HARVARD PILGRIM HEALTH CARE | $11K | — | $11K | 1.19% |
| CROSS BENEFIT SOLUTIONS3 | PO BOX 1388 BANGOR, ME 04401 | HARVARD PILGRIM HEALTH CARE | $25K | — | $25K | 3.25% |
| CROSS BENEFIT SOLUTIONS3 Filed as: CROSS FINANCIAL INSURANCE | PO BOX 1388 BANGOR, ME 04401 | HARVARD PILGRIM HEALTH CARE | $10K | — | $10K | 1.26% |
| CROSS BENEFIT SOLUTIONS3 | PO BOX 1388 BANGOR, ME 04401 | HARVARD PILGRIM HEALTH CARE | $19K | — | $19K | 2.86% |
| CROSS BENEFIT SOLUTIONS3 Filed as: CROSS FINANCIAL INSURANCE | BOX 1388 BANGOR, ME 04401 | HARVARD PILGRIM HEALTH CARE | $7K | — | $7K | 1.11% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE SUITE 2 AUGUSTA, ME 04330 | ANTHEM HEALTH PLANS OF MAINE | $5K | $2K | $7K | 3.68% |
| CROSS BENEFIT SOLUTIONS3 | PO BOX 1388 BANGOR, ME 04401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 5.47% |
| CROSS INSURANCE3 | 491 MAIN STREET, PO BOX 1388 BANGOR, ME 04401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $4K | $4K | 2.01% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DR AUGUSTA, ME 04330 | VISION SERVICE PLAN | $1K | — | $1K | 5.10% |
| CROSS BENEFIT SOLUTIONS3 | PO BOX 1388 BANGOR, ME 04401 | HARVARD PILGRIM HEALTH CARE | $363 | — | $363 | 2.61% |
| CROSS BENEFIT SOLUTIONS3 Filed as: CROSS FINANCIAL INSURANCE | PO BOX 1388 BANGOR, ME 04401 | HARVARD PILGRIM HEALTH CARE | $141 | — | $141 | 1.01% |
| CROSS BENEFIT SOLUTIONS3 | PO BOX 1388 BANGOR, ME 04401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $803 | — | $803 | 13.75% |
| CROSS INSURANCE3 | 491 MAIN STREE, PO BOX 1388 BANGOR, ME 04401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $107 | $107 | 1.83% |
| CROSS BENEFIT SOLUTIONS3 | PO BOX 469 AUGUSTA, ME 04330 | HARVARD PILGRIM HEALTH CARE | $19 | — | $19 | 1.30% |
| CROSS BENEFIT SOLUTIONS3 Filed as: CROSS FINANCIAL INSURANCE | PO BOX 1388 BANGOR, ME 04401 | HARVARD PILGRIM HEALTH CARE | $7 | — | $7 | 0.48% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE AUGUSTA, ME 04330 | HARVARD PILGRIM HEALTH CARE | $3 | — | $3 | 0.25% |
| CROSS INSURANCE3 | 491 MAIN STREET BANGOR, ME 04401 | HARVARD PILGRIM HEALTH CARE | $1 | — | $1 | 0.08% |
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 | 274 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 274 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts) | HARVARD PILGRIM HEALTH CARE | 139 | $2.4M |
| Dental | ANTHEM HEALTH PLANS OF MAINE | 274 | $187K |
| Vision | VISION SERVICE PLAN | 231 | $24K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 397 | $189K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 397 | $184K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 397 | $184K |
| Other(3 contracts) | HARVARD PILGRIM HEALTH CARE | 139 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 397 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.