| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PLAN MARKETING INSURANCE AGENCY INC3 Filed as: PLAN MARKETING INS AGENCY INC | PO BOX 5199 WESTBOROUGH, MA 01581 | SYMETRA LIFE INSURANCE COMPANY | — | $12K | $12K | 3.84% |
| CROSS BENEFIT SOLUTIONS3 | PO BOX 1388 BANGOR, ME 04401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 8.74% |
| CROSS INSURANCE5 | 491 MAIN ST., PO BOX 1388 BANGOR, ME 04401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $4K | $4K | 4.15% |
| BGA ADVISORS3 | 103 PARK ST LEWISTON, ME 04240 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $935 | — | $935 | 1.05% |
| CROSS INSURANCE3 Filed as: CORSS BENEFIT SOLUTIONS | PO BOX 1388 BANGOR, ME 04401 | STARMOUNT LIFE INSURANCE COMPANY | $4K | — | $4K | 4.44% |
| CROSS INSURANCE5 Filed as: CORSS INSURANCE | 491 MAIN ST., PO BOX 1388 BANGOR, ME 04401 | STARMOUNT LIFE INSURANCE COMPANY | — | $4K | $4K | 4.17% |
| BGA ADVISORS3 | 103 PARK ST LEWISTON, ME 04240 | STARMOUNT LIFE INSURANCE COMPANY | $770 | — | $770 | 0.92% |
| CROSS INSURANCE3 Filed as: CORSS BENEFIT SOLUTIONS | PO BOX 1388 BANGOR, ME 04401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 13.39% |
| CROSS INSURANCE5 | 491 MAIN ST., PO BOX 1388 BANGOR, ME 04401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $889 | $889 | 4.15% |
| BGA ADVISORS3 | 103 PARK ST LEWISTON, ME 04240 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $546 | — | $546 | 2.55% |
| BETTER BENEFITS LLC3 Filed as: BETTER BENEFITS, LLC | 10 RED BARN CIRCLE SCARBOROUGH, ME 04074 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 10.46% |
| CROSS BENEFIT SOLUTIONS3 | PO BOX 1388 BANGOR, ME 04401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 8.82% |
| BGA FINANCIAL3 | 195 CENTER ST AUBURN, ME 04210 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $61 | — | $61 | 0.54% |
| CROSS INSURANCE5 | 491 MAIN ST., PO BOX 1388 BANGOR, ME 04401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $32 | $32 | 0.28% |
| BGA ADVISORS3 | 195 CENTER ST AUBURN, ME 04210 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10 | — | $10 | 0.09% |
| BETTER BENEFITS LLC3 Filed as: BETTER BENEFITS, LLC | 10 RED BARN CIRCLE SCARBOROUGH, ME 04074 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $413 | — | $413 | 10.87% |
| CROSS BENEFIT SOLUTIONS3 | PO BOX 1388 BANGOR, ME 04401 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $352 | — | $352 | 9.27% |
| BGA FINANCIAL3 | 195 CENTER ST AUBURN, ME 04210 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $87 | — | $87 | 2.29% |
| CROSS INSURANCE5 | 491 MAIN ST., PO BOX 1388 BANGOR, ME 04401 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $17 | $17 | 0.45% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTH PLANS, INC. EIN 04-2734278 THIRD PARTY ADMINISTRATOR | Other services; Claims processing Service code 12 | 1500 WEST PARK DRIVE WESTBOROUGH, MA 01581 | $54K |
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 | 119 | 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) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 109 | $325K |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 119 | $84K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 119 | $84K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 176 | $110K |
| Short-term disability(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 176 | $114K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 176 | $93K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 176 | — |
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.