| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROSS INSURANCE3 | PO BOX 1388 BANGOR, ME 04402 | HARVARD PILGRIM HEALTH CARE HSA HMO/ACT | $45K | — | $45K | 3.38% |
| CROSS INSURANCE3 | PO BOX 1388 BANGOR, ME 04402 | HARVARD PILGRIM HEALTH CARE HSA HMO/ACT | $33K | — | $33K | 3.38% |
| CROSS INSURANCE3 | PO BOX 1388 BANGOR, ME 04402 | HPHC INSURANCE COMPANY PPO/ACT | $15K | — | $15K | 3.38% |
| CROSS INSURANCE3 | PO BOX 1388 BANGOR, ME 04402 | HPHC INSURANCE COMPANY HSA PPO/ACT | $11K | — | $11K | 3.38% |
| WOODROW W CROSS AGENCY3 | PO BOX 1388 BANGOR, ME 04401 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $11K | $15K | 6.67% |
| CROSS BENEFIT SOLUTIONS3 | PO BOX 469 AUGUSTA, ME 04330 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $9K | $9K | 4.00% |
| AMWINS3 Filed as: AMWINS GROUP BENEFITS INC | 1 ENTERPRISE DR STE 210 SHELTON, CT 064844631 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 0.67% |
| WOODROW W CROSS AGENCY3 Filed as: WOODROW W. CROSS AGENCY, INC. | 491 MAIN STREET PO BOX 1388 BANGOR, ME 04402 | METROPOLITAN LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| WOODROW W CROSS AGENCY3 | PO BOX 1388 BANGOR, ME 04401 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY STD | $14K | — | $14K | 15.00% |
| CROSS BENEFIT SOLUTIONS3 | PO BOX 469 AUGUSTA, ME 04330 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY STD | — | $243 | $243 | 0.27% |
| WOODROW W CROSS AGENCY3 | 74 GILMAN ROAD BANGOR, ME 04401 | ANTHEM LIFE INSURANCE COMPANY | $6K | — | $6K | 8.52% |
| CROSS BENEFIT SOLUTIONS3 | PO BOX 469 AUGUSTA, ME 04332 | ANTHEM LIFE INSURANCE COMPANY | — | $2K | $2K | 2.83% |
| WOODROW W CROSS AGENCY3 | 74 GILMAN ROAD BANGOR, ME 04401 | ANTHEM HEALTH PLANS OF MAINE, INC. | $2K | — | $2K | 7.49% |
| WOODROW W CROSS AGENCY3 | PO BOX 1388 BANGOR, ME 04402 | ANTHEM HEALTH PLANS OF MAINE, INC. | $497 | $5 | $502 | 1.73% |
| WOODROW W CROSS AGENCY3 | PO BOX 1388 BANGOR, ME 04401 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY LTD | $4K | — | $4K | 15.00% |
| CROSS BENEFIT SOLUTIONS3 | PO BOX 469 AUGUSTA, ME 04330 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY LTD | — | $69 | $69 | 0.27% |
| VARIOUS - SEE ATTACHED3 Filed as: AFLAC - SEE ATTACHED LIST | SEE ATTACHED LIST AUBURN, ME 04210 | AFLAC | $2K | — | $2K | 9.97% |
| CROSS INSURANCE3 | PO BOX 1388 BANGOR, ME 04402 | HARVARD PILGRIM HEALTH CARE HMO BB/ACT | $610 | — | $610 | 3.39% |
| WOODROW W CROSS AGENCY3 | PO BOX 1388 BANGOR, ME 04402 | ALLSTATE | $765 | — | $765 | 7.28% |
| DEBORAH ANN SULLIVAN3 Filed as: DEBORAH SULLIVAN | 27 HEMLOCK RIDGE NORTH YARMOUTH, ME 04097 | ALLSTATE | $763 | — | $763 | 7.26% |
| CROSS INSURANCE3 | PO BOX 1388 BANGOR, ME 04402 | HARVARD PILGRIM HEALTH CARE HSA HMO100/COB | $304 | — | $304 | 3.39% |
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 | 697 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 698 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(8 contracts, 7 carriers) | HARVARD PILGRIM HEALTH CARE HSA HMO/ACT | 305 | $3.1M |
| Dental(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 461 | $378K |
| Vision | ANTHEM HEALTH PLANS OF MAINE, INC. | 519 | $29K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 697 | $71K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY STD | 232 | $91K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY LTD | 137 | $25K |
| Other(7 contracts, 6 carriers) | HARVARD PILGRIM HEALTH CARE HSA HMO/ACT | 697 | $2.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 697 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.