| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROSS BENEFIT SOLUTIONS3 Filed as: CROSS FINANCIAL INSURANCE | PO BOX 1388 BANGOR, ME 04402 | HARVARD PILGRIM HEALTH CARE HSA HMO/ACT | $73K | — | $73K | 4.24% |
| CROSS BENEFIT SOLUTIONS3 Filed as: CROSS FINANCIAL INSURANCE | PO BOX 469 AUGUSTA, ME 04330 | HARVARD PILGRIM HEALTH CARE HSAHMO100/ACT | $43K | — | $43K | 3.08% |
| CROSS BENEFIT SOLUTIONS3 Filed as: CROSS FINANCIAL INSURANCE | PO BOX 1388 BANGOR, ME 04401 | HARVARD PILGRIM HEALTH CARE HSAHMO100/ACT | $16K | — | $16K | 1.16% |
| CROSS BENEFIT SOLUTIONS3 Filed as: CROSS FINANCIAL INSURANCE | PO BOX 1388 BANGOR, ME 04402 | HPHC INSURANCE COMPANY PPO/ACT | $16K | — | $16K | 4.10% |
| CROSS BENEFIT SOLUTIONS3 Filed as: CROSS FINANCIAL INSURANCE | PO BOX 1388 BANGOR, ME 04402 | HPHC INSURANCE COMPANY HSA PPO/ACT | $12K | — | $12K | 4.35% |
| WOODROW W CROSS AGENCY3 | PO BOX 1388 BANGOR, ME 04402 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $11K | $16K | 6.93% |
| HPHC INSURANCE AGENCY, INC.3 | 93 WORCESTER STREET WELLESLEY HILLS, MA 02481 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $14K | — | $14K | 6.00% |
| ROBERT R KURTZ3 Filed as: ROBERT KURTZ | 306 BEECH HILL RD AUBURN, ME 04210 | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | $9K | — | $9K | 5.94% |
| PETER D GRIFFEY3 Filed as: PETER GRIFFEY | 529 EAST AVE LEWISTON, ME 04240 | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | $6K | — | $6K | 3.50% |
| JAKE ENTERPRISES INC3 Filed as: JAKE ENTERPRISES, INC. | 25 LOCKLAND DRIVE WINDHAM, ME 04062 | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | $1K | — | $1K | 0.71% |
| CROSS INSURANCE3 | 491 MAIN STREET PO BOX 1388 BANGOR, ME 04401 | UNUM LIFE INSURANCE COMPANY OF AMERICA LTD/STD | $24K | $3K | $27K | 17.00% |
| CROSS INSURANCE3 | 491 MAIN STREET PO BOX 1388 BANGOR, ME 04401 | UNUM LIFE INSURANCE COMPANY OF AMERICA AD&D/LIFE | $4K | $2K | $6K | 5.94% |
| CROSS INSURANCE3 | PO BOX 1388 BANGOR, ME 04402 | ANTHEM HEALTH PLANS OF MAINE, INC. - VISION | $3K | — | $3K | 9.20% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE SUITE 2 AUGUSTA, ME 04330 | ANTHEM HEALTH PLANS OF MAINE, INC. - VISION | — | $315 | $315 | 1.00% |
| CROSS BENEFIT SOLUTIONS3 Filed as: CROSS FINANCIAL INSURANCE | PO BOX 1388 BANGOR, ME 04402 | HARVARD PILGRIM HEALTH CARE HMO BB/ACT | $697 | — | $697 | 5.62% |
| VARIOUS - SEE ATTACHED3 Filed as: AFLAC BROKERS - SEE ATTACHMENT | 800 CENTER STREET AUBURN, ME 04210 | AFLAC TRADITIONAL | $973 | — | $973 | 10.25% |
| DEBORAH ANN SULLIVAN3 Filed as: DEBORAH SULLIVAN | 27 HEMLOCK RIDGE NORTH YARMOUTH, ME 04097 | AMERICAN HERITAGE LIFE INSURANCE COMPANY - GAP | $545 | — | $545 | 6.23% |
| WOODROW W CROSS AGENCY3 Filed as: WOODROW CROSS AGENCY | PO BOX 1388 BANGOR, ME 04402 | AMERICAN HERITAGE LIFE INSURANCE COMPANY - GAP | $545 | — | $545 | 6.23% |
| CROSS BENEFIT SOLUTIONS3 Filed as: CROSS FINANCIAL INSURANCE | PO BOX 469 AUGUSTA, ME 04330 | HARVARD PILGRIM HEALTH CARE HSA HMO100/COB | $244 | — | $244 | 4.03% |
| CROSS BENEFIT SOLUTIONS3 Filed as: CROSS FINANCIAL INSURANCE | PO BOX 1388 BANGOR, ME 04401 | HARVARD PILGRIM HEALTH CARE HSA HMO100/COB | $92 | — | $92 | 1.52% |
| 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 | $33 | — | $33 | 0.74% |
| CROSS BENEFIT SOLUTIONS3 Filed as: CROSS FINANCIAL INSURANCE | 491 MAIN STREET PO BOX 1388 BANGOR, ME 04401 | HARVARD PILGRIM HEALTH CARE HSA HMO COB | $260 | — | $260 | 6.53% |
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 | 696 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | 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)(11 contracts, 11 carriers) | HARVARD PILGRIM HEALTH CARE HSA HMO/ACT | 358 | $4.0M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 476 | $232K |
| Vision | ANTHEM HEALTH PLANS OF MAINE, INC. - VISION | 556 | $32K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA AD&D/LIFE | 696 | $105K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA LTD/STD | 696 | $258K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA LTD/STD | 270 | $158K |
| Other(9 contracts, 9 carriers) | HARVARD PILGRIM HEALTH CARE HSA HMO/ACT | 358 | $3.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 696 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.