| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROSS INSURANCE3 | PO BOX 1388 BANGOR, ME 04402 | HARVARD PILGRIM HEALTH CARE HSA HMO/ACT | $18K | — | $18K | 4.95% |
| WOODROW W CROSS AGENCY3 Filed as: WOODROW W. CROSS AGENCY, INC. | 491 MAIN STREET PO BOX 1388 BANGOR, ME 04402 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | — | $6K | 2.36% |
| CROSS INSURANCE3 | PO BOX 1388 BANGOR, ME 04402 | HARVARD PILGRIM HEALTH CARE HSA HMO/ACT | $10K | — | $10K | 4.95% |
| CROSS INSURANCE3 | PO BOX 1388 BANGOR, ME 04402 | HPHC INSURANCE COMPANY PPO/ACT | $6K | — | $6K | 4.95% |
| CROSS INSURANCE3 | PO BOX 1388 BANGOR, ME 04402 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $14K | — | $14K | 15.00% |
| CROSS INSURANCE3 | PO BOX 1388 BANGOR, ME 04402 | HPHC INSURANCE COMPANY HSA PPO/ACT | $4K | — | $4K | 4.95% |
| CROSS INSURANCE3 | PO BOX 1388 BANGOR, ME 04402 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| CROSS BENEFIT SOLUTIONS3 | PO BOX 469 AUGUSTA, ME 04332 | ANTHEM HEALTH PLANS OF MAINE, INC. | — | $1K | $1K | 15.78% |
| WOODROW W CROSS AGENCY3 | PO BOX 1388 BANGOR, ME 04402 | ANTHEM HEALTH PLANS OF MAINE, INC. | $884 | — | $884 | 13.44% |
| CROSS INSURANCE3 | PO BOX 1388 BANGOR, ME 04402 | HARVARD PILGRIM HEALTH CARE HMO BB/ACT | $223 | — | $223 | 4.95% |
| CROSS INSURANCE3 | PO BOX 1388 BANGOR, ME 04402 | HARVARD PILGRIM HEALTH CARE HSA HMO100/COB | $4K | — | $4K | — |
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 | 765 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 767 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 5 carriers) | HARVARD PILGRIM HEALTH CARE HSA HMO/ACT | 312 | $765K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 499 | $241K |
| Vision | ANTHEM HEALTH PLANS OF MAINE, INC. | 481 | $7K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 678 | $17K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 221 | $93K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 126 | $28K |
| Other(5 contracts, 4 carriers) | HARVARD PILGRIM HEALTH CARE HSA HMO/ACT | 678 | $656K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 678 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.