| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROSS INSURANCE3 | PO BOX 1388 BANGOR, ME 04401 | STARMOUNT LIFE INSURANCE COMPANY | — | $7K | $7K | 2.09% |
| CROSS INSURANCE4 | PO BOX 1388 BANGOR, ME 04401 | MERITAIN HEALTH | $110K | — | $110K | 47.31% |
| CROSS INSURANCE3 | PO BOX 1388 BANGOR, ME 04401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $4K | $4K | 2.00% |
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 | 809 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 809 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MERITAIN HEALTH | 454 | $233K |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 571 | $324K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 571 | $324K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 80 | $222K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 80 | $222K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 80 | $222K |
| Stop-loss / reinsurancereinsurance | GREAT MIDWEST INSURANCE COMPANY | 518 | $652K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 571 | — |
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.