| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROSS BENEFIT SOLUTIONS | 116 COMMUNITY DRIVE SUITE 2 AUGUSTA, ME 04330 | ANTHEM | $10K | $584 | $10K | 14.61% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE SUITE 2 AUGUSTA, ME 043320469 | NORTHEAST DELTA DENTAL | $3K | $71K | $74K | 104.52% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE AUGUSTA, ME 043320469 | RED TREE INSURANCE COMPANY INC | $719 | — | $719 | 9.91% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES | PO BOX 1320 CONCORD, NH 033021320 | RED TREE INSURANCE COMPANY INC | $108 | — | $108 | 1.49% |
| CROSS BENEFIT SOLUTIONS | 116 COMMUNITY DRIVE SUITE 2 AUGUSTA, ME 04330 | HARVARD PILGRIM HEALTHCARE | $34K | $0 | $34K | — |
| CROSS INSURANCE Filed as: CROSS INSURANCE BANGOR | PO BOX 133 BANGOR, ME 04402 | HARVARD PILGRIM HEALTHCARE | $8K | $0 | $8K | — |
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 | 112 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 112 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HARVARD PILGRIM HEALTHCARE | 112 | $0 |
| Dental | NORTHEAST DELTA DENTAL | 205 | $71K |
| Vision | RED TREE INSURANCE COMPANY INC | 121 | $7K |
| Life insurance | ANTHEM | 186 | $71K |
| Short-term disability | ANTHEM | 186 | $71K |
| Long-term disability | ANTHEM | 186 | $71K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 205 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.