| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROSS INSURANCE3 Filed as: CROSS INSURANCE - BANGOR | P.O. BOX 133 BANGOR, ME 04401 | HARVARD PILGRIM HEALTH CARE | $23K | — | $23K | 1.98% |
| CROSS BENEFIT SOLUTIONS | 16 COMMUNITY DRIVE, SUITE 2 AUGUSTA, ME 04330 | HARVARD PILGRIM HEALTH CARE | $15K | — | $15K | 1.30% |
| CROSS INSURANCE3 Filed as: CROSS INSURANCE - BANGOR | P.O. BOX 133 BANGOR, ME 04402 | HARVARD PILGRIM HEALTH CARE | $7K | — | $7K | 1.73% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE, SUITE 2 AUGUSTA, ME 04330 | HARVARD PILGRIM HEALTH CARE | $4K | — | $4K | 1.13% |
| CROSS INSURANCE3 | P.O. BOX 133 BANGOR, ME 04402 | HARVARD PILGRIM HEALTH CARE | $1K | — | $1K | 1.77% |
| CROSS BENEFIT SOLUTIONS3 | 16 COMMUNITY DRIVE, SUITE 2 AUGUSTA, ME 04330 | HARVARD PILGRIM HEALTH CARE | $976 | — | $976 | 1.16% |
| CROSS INSURANCE3 Filed as: CROSS INSURANCE - BANGOR | P.O. BOX 133 116 COMMUNITY DRIVE, SUITE 2 BANGOR, ME 04402 | HARVARD PILGRIM HEALTH CARE | $26 | — | $26 | 0.48% |
| CROSS BENEFIT SOLUTIONS3 | 16 COMMUNITY DRIVE, SUITE 2 116 COMMUNITY DRIVE, SUITE 2 AUGUSTA, ME 04330 | HARVARD PILGRIM HEALTH CARE | $17 | — | $17 | 0.32% |
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 | 139 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 139 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts) | HARVARD PILGRIM HEALTH CARE | 91 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 91 | — |
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.