| 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 | — | $84K | $84K | 28.83% |
| PLAN MARKETING INSURANCE AGENCY INC3 | 1500 WEST PARK DRIVE, SUITE 330 WESTBOROUGH, MA 01581 | UNIMERICA INSURANCE COMPANY | $9K | — | $9K | 3.00% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DR AUGUSTA, ME 043308009 | AMERITAS LIFE INSURANCE COMPANY | $4K | $2K | $6K | 4.02% |
| CROSS INSURANCE3 | 491 MAIN ST PO BOX 1388 BANGOR, ME 04401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 2.00% |
| CROSS INSURANCE3 | 491 MAIN ST PO BOX 1388 BANGOR, ME 04401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $592 | — | $592 | 2.00% |
| BGA FINANCIAL3 | PO BOX 630 LEWISTON, ME 04243 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 6.41% |
| BETTER BENEFITS LLC3 | 10 RED BARN CIRCLE SCARBOROUGH, ME 04074 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $522 | — | $522 | 3.23% |
| CROSS BENEFIT SOLUTIONS3 | PO BOX 1388 BANGOR, ME 04401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $445 | — | $445 | 2.75% |
| BETTER BENEFITS LLC3 | 10 RED BARN CIRCLE SCARBOROUGH, ME 04074 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $287 | — | $287 | 4.41% |
| BGA FINANCIAL3 | PO BOX 630 LEWISTON, ME 04243 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $276 | — | $276 | 4.25% |
| CROSS BENEFIT SOLUTIONS3 | PO BOX 1388 BANGOR, ME 04401 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $245 | — | $245 | 3.77% |
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 | 181 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 181 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNIMERICA INSURANCE COMPANY | 164 | $293K |
| Dental | AMERITAS LIFE INSURANCE COMPANY | 347 | $141K |
| Vision | AMERITAS LIFE INSURANCE COMPANY | 347 | $141K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 203 | $145K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 203 | $122K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 203 | $131K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 347 | — |
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.