| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROSS INSURANCE3 Filed as: CROSS INSURANCE AGENCY | PO BOX 1388 BANGOR, ME 04402 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY (STD) | $13K | — | $13K | 15.00% |
| BUSINESS INSURANCE AGENCY3 Filed as: BUSINESS INSURANCE AGENCY INC | PO BOX 469 AUGUSTA, ME 04330 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY (STD) | — | $194 | $194 | 0.23% |
| CROSS INSURANCE3 | PO BOX 1388 BANGOR, ME 04402 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY (STD STUB) | $8K | — | $8K | 15.00% |
| CROSS BENEFIT SOLUTIONS3 | PO BOX 1388 BANGOR, ME 04402 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY (STD STUB) | — | $954 | $954 | 1.72% |
| CROSS INSURANCE3 Filed as: CROSS INSURANCE AGENCY | PO BOX 1388 BANGOR, ME 04402 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY (LTD) | $4K | — | $4K | 15.00% |
| BUSINESS INSURANCE AGENCY3 Filed as: BUSINESS INSURANCE AGENCY INC | PO BOX 469 AUGUSTA, ME 04330 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY (LTD) | — | $62 | $62 | 0.24% |
| CROSS INSURANCE3 | PO BOX 1388 BANGOR, ME 04402 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY (LTD STUB) | $2K | — | $2K | 15.00% |
| CROSS BENEFIT SOLUTIONS3 | PO BOX 1388 BANGOR, ME 04402 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY (LTD STUB) | — | $280 | $280 | 1.78% |
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 | 208 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 208 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Short-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY (STD) | 207 | $141K |
| Long-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY (LTD) | 123 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 207 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.