| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROSS BENEFIT SOLUTIONS3 Filed as: CROSS BENEFITS SOLUTIONS | COMMUNITY DRIVE SUITE 2 AUGUSTA, ME 04330 | ANTHEM LIFE INSURANCE CO | $11K | $1K | $13K | 8.54% |
| CROSS INSURANCE3 | 491 MAIN ST BANGOR, ME 04401 | STARMOUNT LIFE INSURANCE COMPANY | $9K | $5K | $14K | 15.00% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DR STE 2 PO BOX 469 AUGUSTA, ME 043320469 | RED TREE INSURANCE COMPANY, INC. | $1K | — | $1K | 9.91% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES LLC DBA CSONE BEN | PO BOX 1320 CONCORD, NH 033021320 | RED TREE INSURANCE COMPANY, INC. | $196 | — | $196 | 1.48% |
| THE BUCKLEY GROUP OF PORTLAND INC3 | 75 MARKET ST STE 401 PORTLAND, ME 04101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $25 | — | $25 | 3.58% |
| THE BUCKLEY GROUP OF PORTLAND INC3 | 75 MARKET ST STE 401 PORTLAND, ME 04101 | PROVIDENT LIFE AND ACCIDENT INSURANCE CO | $1 | — | $1 | 1.69% |
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 | 231 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 231 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 145 | $91K |
| Vision | RED TREE INSURANCE COMPANY, INC. | 224 | $13K |
| Life insurance | ANTHEM LIFE INSURANCE CO | 219 | $147K |
| Short-term disability | ANTHEM LIFE INSURANCE CO | 219 | $147K |
| Long-term disability | ANTHEM LIFE INSURANCE CO | 219 | $147K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 16 | $758 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 224 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.