| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROSS BENEFIT SOLUTIONS3 | PO BOX 1388 BANGOR, ME 04401 | STARMOUNT LIFE INSURANCE COMPANY | $13K | — | $13K | 10.00% |
| CROSS INSURANCE3 | 491 MAIN ST BANGOR, ME 04401 | STARMOUNT LIFE INSURANCE COMPANY | — | $3K | $3K | 2.40% |
| CROSS BENEFIT SOLUTIONS3 Filed as: CROSS BENEFITS SOLUTIONS | COMMUNITY DRIVE SUITE 2 AUGUSTA, ME 04330 | ANTHEM LIFE INSURANCE CO | $10K | — | $10K | 8.81% |
| CROSS BENEFIT SOLUTIONS3 | PO BOX 1388 BANGOR, ME 04401 | UNUM INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| CROSS INSURANCE3 | PO BOX 1388 BANGOR, ME 04401 | UNUM INSURANCE COMPANY | — | $414 | $414 | 2.00% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DR STE 2 PO BOX 469 AUGUSTA, ME 043320469 | RED TREE INSURANCE COMPANY, INC. | $1K | — | $1K | 9.92% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES LLC DBA CSONE BEN | PO BOX 1320 CONCORD, NH 033021320 | RED TREE INSURANCE COMPANY, INC. | $223 | — | $223 | 1.49% |
| THE BUCKLEY GROUP OF PORTLAND INC3 | 75 MARKET ST STE 401 PORTLAND, ME 04101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $18 | — | $18 | 4.12% |
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 | 232 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 232 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 169 | $126K |
| Vision | RED TREE INSURANCE COMPANY, INC. | 275 | $15K |
| Life insurance | ANTHEM LIFE INSURANCE CO | 261 | $116K |
| Short-term disability | ANTHEM LIFE INSURANCE CO | 261 | $116K |
| Long-term disability | ANTHEM LIFE INSURANCE CO | 261 | $116K |
| Other(2 contracts, 2 carriers) | UNUM INSURANCE COMPANY | 61 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 275 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.