| 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 | $67K | — | $67K | 4.26% |
| CROSS BENEFIT SOLUTIONS3 Filed as: CROSS FINANCIAL INSURANCE | PO BOX 1388 BANGOR, ME 04401 | HARVARD PILGRIM HEALTH CARE HSAHMO100/ACT | $65K | — | $65K | 4.26% |
| CROSS BENEFIT SOLUTIONS3 Filed as: CROSS FINANCIAL INSURANCE | PO BOX 1388 BANGOR, ME 04402 | HPHC INSURANCE COMPANY HSA PPO/ACT | $19K | — | $19K | 4.26% |
| CROSS BENEFIT SOLUTIONS3 Filed as: CROSS FINANCIAL INSURANCE | PO BOX 1388 BANGOR, ME 04402 | HPHC INSURANCE COMPANY PPO/ACT | $12K | — | $12K | 4.26% |
| CROSS INSURANCE3 | 491 MAIN ST PO BOX 1388 BANGOR, ME 04401 | STARMOUNT LIFE INSURANCE CO - DENTAL | $5K | $12K | $16K | 7.00% |
| PLANSOURCE BENEFITS ADMINISTRATION3 Filed as: PLANSOURCE BENEFIT ADMIN | PO BOX 1313 ORLANDO, FL 32802 | STARMOUNT LIFE INSURANCE CO - DENTAL | $7K | — | $7K | 3.00% |
| CROSS INSURANCE3 | 491 MAIN STREET PO BOX 1388 BANGOR, ME 04401 | UNUM LIFE INSURANCE COMPANY OF AMERICA LTD/STD | $27K | $4K | $31K | 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 | 6.10% |
| CROSS INSURANCE3 | 491 MAIN ST PO BOX 1388 BANGOR, ME 04401 | UNUM INSURANCE COMPANY GRP ACCIDENT | $9K | $3K | $11K | 21.88% |
| CROSS INSURANCE3 | 491 MAIN ST PO BOX 1388 BANGOR, ME 04401 | UNUM INSURANCE COMPANY - HOSPITAL | $8K | $2K | $10K | 22.01% |
| CROSS INSURANCE3 | 491 MAIN ST PO BOX 1388 BANGOR, ME 04401 | UNUM INSURANCE CO - CRITICAL ILLNESS | $7K | $2K | $9K | 21.28% |
| WOODROW W CROSS AGENCY3 | PO BOX 1388 BANGOR, ME 04402 | ANTHEM HEALTH PLANS OF MAINE, INC. - VISION | $3K | — | $3K | 10.02% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE SUITE 2 AUGUSTA, ME 04330 | ANTHEM HEALTH PLANS OF MAINE, INC. - VISION | — | $319 | $319 | 1.00% |
| CROSS BENEFIT SOLUTIONS3 Filed as: CROSS FINANCIAL INSURANCE | PO BOX 1388 BANGOR, ME 04402 | HARVARD PILGRIM HEALTH CARE HMO BB/ACT | $467 | — | $467 | 4.27% |
| CROSS BENEFIT SOLUTIONS3 Filed as: CROSS FINANCIAL INSURANCE | 491 MAIN STREET PO BOX 1388 BANGOR, ME 04401 | HARVARD PILGRIM HEALTH CARE HSA HMO COB | $336 | — | $336 | 4.27% |
| CROSS BENEFIT SOLUTIONS3 Filed as: CROSS FINANCIAL INSURANCE | PO BOX 469 AUGUSTA, ME 04330 | HARVARD PILGRIM HEALTH CARE HSA HMO100/COB | $289 | — | $289 | 4.26% |
| CROSS BENEFIT SOLUTIONS3 Filed as: CROSS FINANCIAL INSURANCE | PO BOX 1388 BANGOR, ME 04401 | HPHC INSURANCE CO - PPO/COB | $86 | — | $86 | 4.29% |
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 | 698 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 702 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(10 contracts, 10 carriers) | HARVARD PILGRIM HEALTH CARE HSA HMO/ACT | 269 | $3.9M |
| Dental | STARMOUNT LIFE INSURANCE CO - DENTAL | 467 | $233K |
| Vision | ANTHEM HEALTH PLANS OF MAINE, INC. - VISION | 548 | $32K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA AD&D/LIFE | 664 | $102K |
| Short-term disability(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA LTD/STD | 664 | $336K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA LTD/STD | 296 | $181K |
| Other(7 contracts, 7 carriers) | HARVARD PILGRIM HEALTH CARE HSA HMO/ACT | 269 | $3.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 664 | — |
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.