| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEALTH PLANS, INC.5 | 1500 WEST PARK DRIVE, SUITE 330 WESTBOROUGH, MA 01581 | UNIMERICA INSURANCE COMPANY | — | $89K | $89K | 31.23% |
| BGA INSURANCE AGENCY3 Filed as: BGA INSURANCE AGENCY, INC | 150 MILL ST FL 4 LEWISTON, ME 042403101 | AMERITAS LIFE INSURANCE CORP. | $3K | $1K | $4K | 3.26% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE AUGUSTA, ME 043308009 | AMERITAS LIFE INSURANCE CORP. | $805 | — | $805 | 0.61% |
| CROSS INSURANCE3 | 491 MAIN ST. PO BOX 1388 BANGOR, ME 04401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 1.40% |
| BGA FINANCIAL3 | PO BOX 630 LEWISTON, ME 04243 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 0.91% |
| CROSS INSURANCE3 | 491 MAIN ST. PO BOX 1388 BANGOR, ME 04401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $491 | — | $491 | 1.40% |
| BGA FINANCIAL3 | PO BOX 630 LEWISTON, ME 04243 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $298 | — | $298 | 0.85% |
| BGA FINANCIAL3 | PO BOX 630 LEWISTON, ME 04243 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 41.33% |
| BETTER BENEFITS LLC3 | 10 RED BARN CIRCLE SCARBOROUGH, ME 04074 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $537 | — | $537 | 2.53% |
| CROSS BENEFIT SOLUTIONS3 | PO BOX 469 AUGUSTA, ME 04330 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $458 | — | $458 | 2.16% |
| CROSS INSURANCE3 | 491 MAIN ST. PO BOX 1388 BANGOR, ME 04401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $290 | — | $290 | 2.00% |
| BGA FINANCIAL3 | PO BOX 630 LEWISTON, ME 04243 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 30.92% |
| BETTER BENEFITS LLC3 | 10 RED BARN CIRCLE SCARBOROUGH, ME 04074 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $235 | — | $235 | 2.64% |
| CROSS BENEFIT SOLUTIONS3 | PO BOX 469 PO, ME 04330 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $201 | — | $201 | 2.26% |
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 | 212 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 212 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNIMERICA INSURANCE COMPANY | 168 | $284K |
| Dental | AMERITAS LIFE INSURANCE CORP. | 378 | $131K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 378 | $131K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 262 | $146K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 262 | $119K |
| Long-term disability(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 262 | $146K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 378 | — |
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.