| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROSS INSURANCE3 | 491 MAIN STREET PO BOX 1388 BANGOR, ME 04401 | CIGNA HEALTH AND LIFE INSURANCE CO - HEALTH | $81K | — | $81K | 2.45% |
| CROSS INSURANCE3 | 491 MAIN STREET PO BOX 1388 BANGOR, ME 04401 | STARMOUNT LIFE INSURANCE CO - DENTAL | $5K | $5K | $10K | 4.22% |
| PLNSOURCE BENEFIT ADMIN3 | 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 | $28K | $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 | 5.77% |
| CROSS INSURANCE3 | 491 MAIN STREET PO BOX 1388 BANGOR, ME 04401 | UNUM INSURANCE COMPANY GRP ACCIDENT | $10K | $2K | $12K | 20.20% |
| CROSS INSURANCE3 | 491 MAIN STREET PO BOX 1388 BANGOR, ME 04401 | UNUM INSURANCE CO - CRITICAL ILLNESS | $8K | $916 | $9K | 19.00% |
| CROSS INSURANCE3 | 491 MAIN STREET PO BOX 1388 BANGOR, ME 04401 | UNUM INSURANCE COMPANY - HOSPITAL | $7K | $1K | $9K | 19.99% |
| WOODROW W CROSS AGENCY3 | PO BOX 1388 BANGOR, ME 04402 | ANTHEM HEALTH PLANS OF MAINE, INC. - VISION | $3K | — | $3K | 9.10% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE SUITE 2 AUGUSTA, ME 04330 | ANTHEM HEALTH PLANS OF MAINE, INC. - VISION | — | $318 | $318 | 0.90% |
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 | 750 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 750 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE CO - HEALTH | 688 | $3.4M |
| Dental | STARMOUNT LIFE INSURANCE CO - DENTAL | 491 | $228K |
| Vision | ANTHEM HEALTH PLANS OF MAINE, INC. - VISION | 637 | $35K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA AD&D/LIFE | 750 | $106K |
| Short-term disability(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA LTD/STD | 750 | $351K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA LTD/STD | 315 | $185K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE CO - HEALTH | 688 | $3.3M |
| Other(2 contracts, 2 carriers) | UNUM INSURANCE CO - CRITICAL ILLNESS | 232 | $90K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 750 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.