| 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 | — | $62K | $62K | 21.77% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DR AUGUSTA, ME 04330 | CIGNA | $5K | — | $5K | 4.95% |
| CROSS BENEFIT SOLUTIONS3 | 1160 COMMUNITY DR AUGUSTA, ME 04330 | CIGNA | — | $536 | $536 | 0.51% |
| BETTER BENEFITS LLC3 | 10 RED BARN CIRCLE SCARBOROUGH, ME 04074 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $602 | — | $602 | 5.40% |
| CROSS BENEFIT SOLUTIONS3 | PO BOX 1388 BANGOR, ME 04401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $513 | — | $513 | 4.60% |
| BGA FINANCIAL3 | PO BOX 630 LEWISTON, ME 04243 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $66 | — | $66 | 0.59% |
| CROSS INSURANCE3 | 491 MAIN STREET, PO BOX 1388 BANGOR, ME 04401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $11 | $11 | 0.10% |
| BETTER BENEFITS LLC3 | 10 RED BARN CIRCLE SCARBOROUGH, ME 04074 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $247 | — | $247 | 6.41% |
| CROSS BENEFIT SOLUTIONS3 | PO BOX 1388 BANGOR, ME 04401 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $210 | — | $210 | 5.45% |
| BGA FINANCIAL3 | PO BOX 630 LEWISTON, ME 04243 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $129 | — | $129 | 3.35% |
| CROSS INSURANCE3 | 491 MAIN ST, PO BOX 1388 BANGOR, ME 04401 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $12 | $12 | 0.31% |
| CROSS BENEFIT SOLUTIONS3 | 103 PARK STREET LEWISTON, ME 04243 | LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 86.29% |
| 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 | $62K |
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 | 128 | 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) | 128 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNIMERICA INSURANCE COMPANY | 118 | $287K |
| Dental | CIGNA | 128 | $104K |
| Life insurance | LIFE INSURANCE COMPANY OF AMERICA | 50 | $3K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 30 | $4K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 50 | $11K |
| Other | CIGNA | 128 | $104K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 128 | — |
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.