| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROSS INSURANCE3 Filed as: CROSS INSURANCE, INC. - MAINE | PO BOX 1388 BANGOR, ME 044021388 | UNITEDHEALTHCARE INSURANCE COMPANY | $109K | — | $109K | 2.20% |
| CROSS BENEFIT SOLUTIONS3 | 491 MAIN ST BANGOR, ME 04401 | STANDARD INSURANCE COMPANY - DENTAL | $11K | — | $11K | 3.85% |
| THE ULTIMATE SOFTWARE GROUP3 | PO BOX 930953 ATLANTA, GA 31193 | STANDARD INSURANCE COMPANY - DENTAL | — | $4K | $4K | 1.38% |
| THE JAMES B OSWALD COMPANY4 Filed as: JAMES R NELLIGAN AND ASSOC LLC | 1933 STATE ROUTE 35 STE368 WALL, NJ 07719 | STANDARD INSURANCE COMPANY - DENTAL | $2K | — | $2K | 0.83% |
| CROSS BENEFIT SOLUTIONS4 | 491 MAIN ST BANGOR, ME 04401 | STANDARD INSURANCE COMPANY - TEMPORARY DISABILITY | $39K | — | $39K | 19.51% |
| THE JAMES B OSWALD COMPANY4 Filed as: JAMES R NELLIGAN AND ASSOC LLC | 1933 STATE ROUTE 35 STE368 WALL, NJ 07719 | STANDARD INSURANCE COMPANY - TEMPORARY DISABILITY | $19K | — | $19K | 9.76% |
| THE ULTIMATE SOFTWARE GROUP3 | PO BOX 930953 ATLANTA, GA 31193 | STANDARD INSURANCE COMPANY - TEMPORARY DISABILITY | — | $6K | $6K | 2.79% |
| CROSS BENEFIT SOLUTIONS3 | 491 MAIN ST BANGOR, ME 04401 | STANDARD INSURANCE COMPANY - LIFE INSURANCE | $25K | — | $25K | 15.84% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN AND ASSOC LLC | 1933 STATE ROUTE 35 STE368 WALL, NJ 07719 | STANDARD INSURANCE COMPANY - LIFE INSURANCE | $16K | — | $16K | 10.38% |
| THE ULTIMATE SOFTWARE GROUP3 | PO BOX 930953 ATLANTA, GA 31193 | STANDARD INSURANCE COMPANY - LIFE INSURANCE | — | $4K | $4K | 2.79% |
| CROSS BENEFIT SOLUTIONS3 | 491 MAIN ST BANGOR, ME 04401 | STANDARD INSURANCE COMPANY - INDEMNITY CONTRACTS | $46K | — | $46K | 31.71% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN AND ASSOC LLC | 1933 STATE ROUTE 35 STE368 WALL, NJ 07719 | STANDARD INSURANCE COMPANY - INDEMNITY CONTRACTS | $16K | — | $16K | 10.76% |
| THE ULTIMATE SOFTWARE GROUP3 | PO BOX 930953 ATLANTA, GA 31193 | STANDARD INSURANCE COMPANY - INDEMNITY CONTRACTS | — | $7K | $7K | 5.00% |
| CROSS BENEFIT SOLUTIONS3 | 491 MAIN ST BANGOR, ME 04401 | STANDARD INSURANCE COMPANY - LONG TERM DISABILITY | $22K | — | $22K | 21.11% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN AND ASSOC LLC | 1933 STATE ROUTE 35 STE368 WALL, NJ 07719 | STANDARD INSURANCE COMPANY - LONG TERM DISABILITY | $11K | — | $11K | 10.52% |
| THE ULTIMATE SOFTWARE GROUP3 | PO BOX 930953 ATLANTA, GA 31193 | STANDARD INSURANCE COMPANY - LONG TERM DISABILITY | — | $3K | $3K | 2.75% |
| CROSS BENEFIT SOLUTIONS3 | 491 MAIN ST BANGOR, ME 04401 | STANDARD INSURANCE COMPANY - VISION | $8K | — | $8K | 16.98% |
| THE ULTIMATE SOFTWARE GROUP3 | PO BOX 930953 ATLANTA, GA 31193 | STANDARD INSURANCE COMPANY - VISION | — | $715 | $715 | 1.47% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN AND ASSOC LLC | 1933 STATE ROUTE 35 STE368 WALL, NJ 07719 | STANDARD INSURANCE COMPANY - VISION | $429 | — | $429 | 0.88% |
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 | 1,000 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,000 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 818 | $5.0M |
| Dental | STANDARD INSURANCE COMPANY - DENTAL | 527 | $297K |
| Vision | STANDARD INSURANCE COMPANY - VISION | 1,000 | $49K |
| Life insurance | STANDARD INSURANCE COMPANY - LIFE INSURANCE | 820 | $157K |
| Short-term disability | STANDARD INSURANCE COMPANY - TEMPORARY DISABILITY | 415 | $200K |
| Long-term disability | STANDARD INSURANCE COMPANY - LONG TERM DISABILITY | 349 | $103K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,000 | — |
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.
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.