| 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 | — | $73K | $73K | 25.15% |
| PLAN MARKETING INSURANCE AGENCY INC3 | 1500 WEST PARK DRIVE, SUITE 330 WESTBOROUGH, MA 01581 | UNIMERICA INSURANCE COMPANY | $9K | — | $9K | 3.00% |
| FIAI INC3 Filed as: FIAI, INC | 491 MAIN STREET, PO BOX 1388 BANGOR, ME 04402 | CIGNA | $11K | — | $11K | 11.21% |
| CROSS BENEFIT SOLUTIONS3 | 1160 COMMUNITY DR AUGUSTA, ME 04330 | CIGNA | $4K | $478 | $4K | 3.98% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DR AUGUSTA, ME 04330 | CIGNA | — | $250 | $250 | 0.24% |
| CROSS BENEFIT SOLUTIONS3 | 103 PARK STREET LEWISTON, ME 04243 | CIGNA | $3K | — | $3K | 7.15% |
| BGA FINANCIAL3 | PO BOX 630 LEWISTON, ME 04243 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $620 | — | $620 | 4.32% |
| BETTER BENEFITS LLC3 | 10 RED BARN CIRCLE SCARBOROUGH, ME 04074 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $339 | — | $339 | 2.36% |
| CROSS BENEFIT SOLUTIONS3 | PO BOX 1388 BANGOR, ME 04401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $289 | — | $289 | 2.01% |
| CROSS INSURANCE3 | 491 MAIN STREET, PO BOX 1388 BANGOR, ME 04401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $6 | $6 | 0.04% |
| CROSS BENEFIT SOLUTIONS3 | 103 PARK STREET LEWISTON, ME 04243 | CIGNA | $2K | — | $2K | 15.00% |
| BGA FINANCIAL3 | PO BOX 630 LEWISTON, ME 04243 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $212 | — | $212 | 4.19% |
| BETTER BENEFITS LLC3 | 10 RED BARN CIRCLE SCARBOROUGH, ME 04074 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $80 | — | $80 | 1.58% |
| CROSS BENEFIT SOLUTIONS3 | PO BOX 1388 BANGOR, ME 04401 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $67 | $2 | $69 | 1.37% |
| CROSS INSURANCE3 | 491 MAIN ST, PO BOX 1388 BANGOR, ME 04401 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $1 | $1 | 0.02% |
| CROSS BENEFIT SOLUTIONS3 | 103 PARK STREET LEWISTON, ME 04243 | CIGNA | $463 | — | $463 | 15.02% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTH PLANS, INC. EIN 04-2734278 THIRD PARTY ADMINISTRATOR | Claims processing; Other services Service code 12 | 1500 WEST PARK DRIVE WESTBOROUGH, MA 01581 | $73K |
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 | 138 | 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) | 138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNIMERICA INSURANCE COMPANY | 138 | $290K |
| Dental | CIGNA | 133 | $102K |
| Life insurance | CIGNA | 50 | $3K |
| Short-term disability(2 contracts, 2 carriers) | CIGNA | 200 | $49K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 62 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 200 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.