| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROSS BENEFIT SOLUTIONS3 | 2331 CONGRESS ST PORTLAND, ME 04102 | HARVARD PILGRIM HEALTH CARE | $19K | — | $19K | 3.49% |
| CROSS BENEFIT SOLUTIONS3 | 2331 CONGRESS ST PORTLAND, ME 04102 | HARVARD PILGRIM HEALTH CARE | $13K | — | $13K | 3.41% |
| CROSS BENEFIT SOLUTIONS3 | 2331 CONGRESS ST PORTLAND, ME 04102 | HPHC INSURANCE COMPANY | $6K | — | $6K | 3.46% |
| CROSS BENEFIT SOLUTIONS3 | 2331 CONGRESS ST PORTLAND, ME 04102 | AETNA LIFE INSURANCE COMPANY | $10K | — | $10K | 10.18% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DR STE 2 PO BOX 469 AUGUSTA, ME 043320469 | DELTA DENTAL PLAN OF MAINE | $4K | — | $4K | 4.52% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES LLC DBA CSONE BEN | PO BOX 1320 CONCORD, NH 033021320 | DELTA DENTAL PLAN OF MAINE | $997 | — | $997 | 1.15% |
| CROSS BENEFIT SOLUTIONS3 | PO BOX 469 AUGUSTA, ME 04332 | ANTHEM HEALTH PLANS OF MAINE | $394 | $194 | $588 | 7.53% |
| CROSS BENEFIT SOLUTIONS3 | 1085 BRIGHTON AVENUE PORTLAND, ME 04102 | ANTHEM HEALTH PLANS OF MAINE | $124 | — | $124 | 1.59% |
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 | 142 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 149 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | HARVARD PILGRIM HEALTH CARE | 120 | $1.1M |
| Dental | DELTA DENTAL PLAN OF MAINE | 287 | $87K |
| Vision | ANTHEM HEALTH PLANS OF MAINE | 155 | $8K |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 144 | $101K |
| Short-term disability | AETNA LIFE INSURANCE COMPANY | 144 | $101K |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 144 | $101K |
| Other | AETNA LIFE INSURANCE COMPANY | 144 | $101K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 287 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.