| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROSS BENEFIT SOLUTIONS3 | 2331 CONGRESS STREET PORTLAND, ME 04102 | HARVARD PILGRIM HEALTH CARE | $8K | — | $8K | 1.30% |
| CROSS BENEFIT SOLUTIONS3 | 2331 CONGRESS STREET PORTLAND, ME 04102 | HARVARD PILGRIM HEALTH CARE | $8K | — | $8K | 1.32% |
| CROSS BENEFIT SOLUTIONS3 | 2331 CONGRESS STREET PORTLAND, ME 04102 | HPHC INSURANCE COMPANY | $3K | — | $3K | 1.29% |
| CROSS BENEFIT SOLUTIONS3 | 2331 CONGRESS STREET PORTLAND, ME 04102 | AETNA LIFE INSURANCE CO. | $8K | — | $8K | 6.64% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE AUGUSTA, ME 04330 | AETNA LIFE INSURANCE CO. | $3K | — | $3K | 2.51% |
| CROSS BENEFIT SOLUTIONS3 | PO BOX 469 AUGUSTA, ME 04332 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 3.89% |
| CROSS BENEFIT SOLUTIONS3 | PO BOX 469 AUGUSTA, ME 04330 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $812 | $394 | $1K | 14.85% |
| HPHC INSURANCE AGENCY, INC.3 | 93 WORCESTER STREET WELLESLEY HILLS, MA 02481 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $443 | — | $443 | 5.46% |
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 | 161 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 167 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | HARVARD PILGRIM HEALTH CARE | 153 | $1.4M |
| Dental | STANDARD INSURANCE COMPANY | 154 | $80K |
| Vision(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 154 | $88K |
| Life insurance | AETNA LIFE INSURANCE CO. | 160 | $121K |
| Short-term disability | AETNA LIFE INSURANCE CO. | 160 | $121K |
| Long-term disability | AETNA LIFE INSURANCE CO. | 160 | $121K |
| Other | AETNA LIFE INSURANCE CO. | 160 | $121K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 160 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.