| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROSS INSURANCE3 | PO BOX 1388 BANGOR, ME 04402 | HARVARD PILGRIM HEALTH CARE HSA HMO/ACT | $25K | — | $25K | 1.68% |
| CROSS INSURANCE3 | PO BOX 1388 BANGOR, ME 04402 | HARVARD PILGRIM HEALTH CARE HSA HMO/ACT | $21K | — | $21K | 1.67% |
| CROSS INSURANCE3 | PO BOX 1388 BANGOR, ME 04402 | HPHC INSURANCE COMPANY PPO/ACT | $7K | — | $7K | 1.61% |
| CROSS INSURANCE3 | PO BOX 1388 BANGOR, ME 04402 | HPHC INSURANCE COMPANY HSA PPO/ACT | $5K | — | $5K | 1.65% |
| ROBERT R KURTZ3 | 306 BEECH HILL ROAD AUBURN, ME 04210 | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | $28K | — | $28K | 11.31% |
| PETER D GRIFFEY3 | 529 EAST AVE LEWISTON, ME 04240 | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | $18K | — | $18K | 7.14% |
| JAKE ENTERPRISES INC3 Filed as: JAKE ENTERPRISES, INC. | 25 LOCKLAND DRIVE WINDHAM, ME 04062 | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | $4K | — | $4K | 1.47% |
| HPHC INSURANCE AGENCY, INC.3 | 93 WORCESTER STREET WELLESLEY HILLS, MA 02481 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $13K | — | $13K | 5.59% |
| CROSS BENEFIT SOLUTIONS3 | PO BOX 469 AUGUSTA, ME 04330 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $6K | $6K | 2.73% |
| CIA INSURANCE AGENCY, INC3 Filed as: CIA INSURANCE AGENCY, INC. | PO BOX 1388 BANGOR, ME 04402 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 2.39% |
| CROSS INSURANCE3 | 491 MAIN STREET PO BOX 1388 BANGOR, ME 04401 | UNUM LIFE INSURANCE COMPANY OF AMERICA LTD/STD | $24K | $8K | $31K | 20.26% |
| CROSS INSURANCE3 | 491 MAIN STREET PO BOX 1388 BANGOR, ME 04401 | UNUM LIFE INSURANCE COMPANY OF AMERICA AD&D/LIFE | $4K | $4K | $8K | 9.77% |
| WOODROW W CROSS AGENCY3 | PO BOX 1388 BANGOR, ME 04402 | ANTHEM HEALTH PLANS OF MAINE, INC. - VISION | $3K | — | $3K | 9.94% |
| CROSS BENEFIT SOLUTIONS3 | 2367 CONGRESS STREET PORTLAND, ME 04102 | ANTHEM HEALTH PLANS OF MAINE, INC. - VISION | — | $280 | $280 | 0.92% |
| VARIOUS - SEE ATTACHED3 Filed as: AFLAC BROKER SCHEDULE ATTACHED | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC INDIVIDUAL | $2K | — | $2K | 9.82% |
| CROSS INSURANCE3 | PO BOX 1388 BANGOR, ME 04402 | HARVARD PILGRIM HEALTH CARE HMO BB/ACT | $323 | — | $323 | 2.51% |
| DEBORAH ANN SULLIVAN3 Filed as: DEBORAH SULLIVAN | 27 HEMLOCK RIDGE NORTH YARMOUTH, ME 04097 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $473 | — | $473 | 7.83% |
| WOODROW W CROSS AGENCY3 | PO BOX 1388 BANGOR, ME 04402 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $473 | — | $473 | 7.83% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY SE SUITE 1950 ATLANTA, GA 303395946 | AMERICAN HERITAGE LIFE INSURANCE COMPANY - CANCER, UNIV LIFE | $30 | — | $30 | 0.67% |
| CROSS INSURANCE3 | PO BOX 1388 BANGOR, ME 04402 | HARVARD PILGRIM HEALTH CARE HSA HMO100/COB | $56 | — | $56 | 2.40% |
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 | 752 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 753 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(10 contracts, 9 carriers) | HARVARD PILGRIM HEALTH CARE HSA HMO/ACT | 358 | $3.8M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 484 | $226K |
| Vision | ANTHEM HEALTH PLANS OF MAINE, INC. - VISION | 562 | $31K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA AD&D/LIFE | 732 | $88K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA LTD/STD | 732 | $238K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA LTD/STD | 299 | $154K |
| Other(8 contracts, 7 carriers) | HARVARD PILGRIM HEALTH CARE HSA HMO/ACT | 358 | $3.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 732 | — |
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.