| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEALEY & ASSOCIATES3 | PO BOX 599 PORTLAND, ME 04112 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 8.00% |
| CROSS BENEFIT SOLUTIONS3 | PO BOX 469 AUGUSTA, ME 04330 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 2.03% |
| HEALEY & ASSOCIATES3 | PO BOX 599 PORTLAND, ME 04112 | LINCOLN NATIONAL LIFE INSURANCE CO | $5K | — | $5K | 11.29% |
| CROSS BENEFIT SOLUTIONS3 | PO BOX 469 AUGUSTA, ME 04330 | LINCOLN NATIONAL LIFE INSURANCE CO | $2K | — | $2K | 3.71% |
| HEALEY & ASSOCIATES3 | PO BOX 599 PORTLAND, ME 04112 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 11.36% |
| CROSS BENEFIT SOLUTIONS3 | PO BOX 469 AUGUSTA, ME 04330 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 3.64% |
| HEALEY & ASSOCIATES3 | PO BOX 599 PORTLAND, ME 04112 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 16.21% |
| CROSS BENEFIT SOLUTIONS3 | PO BOX 469 AUGUSTA, ME 04330 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $488 | — | $488 | 3.54% |
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 | 0 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 0 | $98K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE CO | 0 | $45K |
| Other(3 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 0 | $112K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 0 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.