| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE SUITE 2 AUGUSTA, ME 043320469 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | $1K | $8K | 5.71% |
| CRONIN GERVINO & WARLICK INC3 | 171 LONDONDERRY TURNPIKE HOOKSETT, NH 031061977 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 1.76% |
| CRONIN GERVINO & WARLICK INC3 Filed as: CRONIN & GERVINO & WARLICK INC | 5 DARTMOUTH DRIVE SUITE 101 AUBURN, NH 03032 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $482 | $3K | 3.26% |
| CROSS BENEFIT SOLUTIONS3 | P.O. BOX 1388 BANGOR, ME 04401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 1.36% |
| CROSS INSURANCE3 | 491 MAIN STREET P.O. BOX 1388 BANGOR, ME 04401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $1K | $1K | 1.19% |
| CROSS BENEFIT SOLUTIONS3 | P.O. BOX 1388 BANGOR, ME 04401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $191 | $10K | 15.30% |
| CROSS INSURANCE3 | 491 MAIN STREET P.O. BOX 1388 BANGOR, ME 04401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $1K | $1K | 1.71% |
| CRONIN GERVINO & WARLICK INC3 Filed as: CRONIN, GERVINO & WARLICK INC | 5 DARTMOUTH DR, STE 101 AUBURN, NH 03032 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $342 | $4K | 7.33% |
| CROSS BENEFIT SOLUTIONS3 | PO BOX 1388 BANGOR, ME 04401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 6.85% |
| CROSS INSURANCE3 | 491 MAIN ST PO BOX 1388 BANGOR, ME 04401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $554 | $554 | 0.91% |
| COMBINED SERVICES LLC3 | TWO DELTA DRIVE SUITE 301 CONCORD, NH 03301 | TRUSTMARK INSURANCE COMPANY | $2K | — | $2K | 13.69% |
| WOODROW W CROSS AGENCY3 Filed as: WOODROW C CROSS AGENCY | 491 MAIN STREET BANGOR, ME 04401 | TRUSTMARK INSURANCE COMPANY | $1K | — | $1K | 9.13% |
| COMBINED SERVICES LLC3 | TWO DELTA DRIVE SUITE 301 CONCORD, NH 03301 | TRUSTMARK INSURANCE COMPANY | $832 | — | $832 | 6.40% |
| WOODROW W CROSS AGENCY3 Filed as: WOODROW C CROSS AGENCY | 491 MAIN STREET BANGOR, ME 04401 | TRUSTMARK INSURANCE COMPANY | $555 | — | $555 | 4.27% |
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 | 323 | 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) | 323 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 327 | $219K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 188 | $134K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 188 | $134K |
| Other(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 327 | $246K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 327 | — |
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.