| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE, SUITE 2 AUGUSTA, ME 04330 | HARVARD PILGRIM HEALTH CARE | $32K | — | $32K | 2.19% |
| CROSS INSURANCE3 Filed as: CORSS INSURANCE | PO BOX 133 BANGOR, ME 04402 | HARVARD PILGRIM HEALTH CARE | — | $10K | $10K | 0.73% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY SUITE DRIVE, SUITE 2 AUGUSTA, ME 04330 | HARVARD PILGRIM HEALTH CARE | $27K | — | $27K | 2.24% |
| CROSS INSURANCE3 | PO BOX 133 BANGOR, ME 04402 | HARVARD PILGRIM HEALTH CARE | — | $9K | $9K | 0.74% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE, SUITE 2 AUGUSTA, ME 04330 | HARVARD PILGRIM HEALTH CARE | $17K | — | $17K | 2.16% |
| CROSS INSURANCE3 Filed as: CORSS INSURANCE | BOX 133 BANGOR, ME 04402 | HARVARD PILGRIM HEALTH CARE | — | $6K | $6K | 0.72% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE AUGUSTA, ME 04332 | DELTA DENTAL PLAN OF MAINE | $6K | — | $6K | 3.06% |
| CROSS BENEFIT SOLUTIONS3 | PO BOX 1388 BANGOR, ME 04401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 5.29% |
| CROSS INSURANCE3 | 491 MAIN STREET, PO BOX 1388 BANGOR, ME 04401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $4K | $4K | 2.00% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE AUGUSTA, ME 04332 | RED TREE INSURANCE COMPANY, INC | $2K | — | $2K | 9.93% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES | PO BOX 1320 CONCORD, NH 03302 | RED TREE INSURANCE COMPANY, INC | $335 | — | $335 | 1.49% |
| CROSS BENEFIT SOLUTIONS3 | PO BOX 1388 BANGOR, ME 04401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $890 | — | $890 | 16.47% |
| CROSS INSURANCE3 | 491 MAIN STREE, PO BOX 1388 BANGOR, ME 04401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $119 | $119 | 2.20% |
| CROSS BENEFIT SOLUTIONS3 | PO BOX 1388 BANGOR, ME 04401 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $63 | — | $63 | 1.58% |
| CROSS BENEFIT SOLUTIONS3 | PO BOX 415170 BOSTON, MA 02241 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $57 | — | $57 | 1.43% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE, SUITE 2 AUGUSTA, ME 04330 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.13% |
| CROSS BENEFIT SOLUTIONS3 | PO BOX 1388 BANGOR, ME 04401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $114 | — | $114 | 4.68% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE, SUITE 2 AUGUSTA, ME 04330 | HARVARD PILGRIM HEALTH CARE | $11 | — | $11 | 1.11% |
| CROSS INSURANCE3 | PO BOX 133 BANGOR, ME 04402 | HARVARD PILGRIM HEALTH CARE | — | $4 | $4 | 0.40% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE, SUITE 2 AUGUSTA, ME 04330 | HARVARD PILGRIM HEALTH CARE | — | — | $0 | — |
| CROSS INSURANCE3 | PO BOX 133 BANGOR, ME 04402 | HARVARD PILGRIM HEALTH CARE | — | — | $0 | — |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE, SUITE 2 AUGUSTA, ME 04330 | HARVARD PILGRIM HEALTH CARE | — | — | $0 | — |
| CROSS INSURANCE3 | PO BOX 133 BANGOR, ME 04402 | HARVARD PILGRIM HEALTH CARE | — | — | $0 | — |
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 | 296 | 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) | 296 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts) | HARVARD PILGRIM HEALTH CARE | 170 | $3.4M |
| Dental | DELTA DENTAL PLAN OF MAINE | 461 | $205K |
| Vision | RED TREE INSURANCE COMPANY, INC | 376 | $22K |
| Life insurance(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 396 | $201K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 396 | $190K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 396 | $192K |
| Other(4 contracts) | HARVARD PILGRIM HEALTH CARE | 170 | $2.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 461 | — |
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."
No prospect flags tripped on this filing.