| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BUSINESS INSURANCE AGENCY DBA CROSS3 Filed as: BUSINESS INS AGENCY INC | 1085 BRIGHTON AVE PORTLAND, ME 04102 | ANTHEM LIFE INSURANCE COMPANY | $12K | $5K | $17K | 12.51% |
| THE BUCKLEY GROUP OF PORTLAND INC3 | 75 MARKET ST STE 401 PORTLAND, ME 04101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $412 | — | $412 | 3.48% |
| THE BUCKLEY GROUP OF PORTLAND INC | 75 MARKET ST STE 401 PORTLAND, ME 04101 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $81 | — | $81 | 2.17% |
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 | 234 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 237 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 135 | $120K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 245 | $138K |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY | 245 | $138K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 245 | $138K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 54 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 245 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.