| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WOODROW W CROSS AGENCY3 | 74 GILMAN ROAD BANGOR, ME 04401 | ANTHEM HEALTH PLANS OF MAINE, INC. | $22K | — | $22K | 2.24% |
| WOODROW W CROSS AGENCY3 | P.O. BOX 1388 BANGOR, ME 04402 | ANTHEM HEALTH PLANS OF MAINE, INC. | — | $5 | $5 | 0.00% |
| CROSS INSURANCE3 | P.O. BOX 1388 BANGOR, ME 04402 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $8K | — | $8K | 4.00% |
| CROSS BENEFIT SOLUTIONS3 | P.O. BOX 469 AUGUSTA, ME 04330 | ANTHEM HEALTH PLANS OF MAINE, INC. | $3K | — | $3K | 4.92% |
| WOODROW W CROSS AGENCY3 | 74 GILMAN ROAD BANGOR, ME 04401 | ANTHEM LIFE INSURANCE COMPANY | $5K | — | $5K | 9.34% |
| CROSS BENEFIT SOLUTIONS3 | P.O. BOX 469 AUGUSTA, ME 04332 | ANTHEM LIFE INSURANCE COMPANY | — | $2K | $2K | 3.55% |
| BUSINESS INSURANCE AGENCY3 Filed as: BUSINESS INSURANCE AGENCY INC | 116 COMMUNITY DRIVE AUGUSTA, ME 04330 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
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 | 155 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 155 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF MAINE, INC. | 168 | $1.2M |
| Dental | ANTHEM HEALTH PLANS OF MAINE, INC. | 91 | $68K |
| Vision(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF MAINE, INC. | 168 | $1.2M |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 115 | $49K |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY | 115 | $49K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 23 | $7K |
| Other | ANTHEM LIFE INSURANCE COMPANY | 115 | $49K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 168 | — |
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."
No prospect flags tripped on this filing.