| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROSS BENEFIT SOLUTIONS3 | PO BOX 469 AUGUSTA, ME 04332 | DELTA DENTAL PLAN OF MAINE | $3K | $0 | $3K | 4.64% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES LLC DBA CSONE BEN | PO BOX 1320 CONCORD, NH 03302 | DELTA DENTAL PLAN OF MAINE | $91 | $0 | $91 | 0.12% |
| NORTON FINANCIAL SERVICES3 | 275 US RTE 1 CUMBERLAND, ME 04110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $375 | $3K | 14.01% |
| NORTON FINANCIAL SERVICES3 | 275 US ROUTE 1 CUMBERLAND, ME 04110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $301 | $3K | 16.23% |
| CROSS BENEFIT SOLUTIONS3 | PO BOX 469 AUGUSTA, ME 04332 | RED TREE INSURANCE COMPANY INC | $516 | — | $516 | 9.14% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES LLC DBA CSONE BEN | PO BOX 1320 CONCORD, NH 03302 | RED TREE INSURANCE COMPANY INC | $77 | — | $77 | 1.36% |
| NORTON FINANCIAL SERVICES3 | 275 US RTE 1 CUMBERLAND, ME 04110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $194 | $25 | $219 | 16.92% |
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 | 0 | 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. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL PLAN OF MAINE | 167 | $75K |
| Vision | RED TREE INSURANCE COMPANY INC | 139 | $6K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 140 | $22K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 140 | $1K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 114 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 167 | — |
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.