| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROSS BENEFIT SOLUTIONS Filed as: CROSS BENEFITS SOLUTIONS | 116 COMMUNITY DRIVE SUITE 2 PO BOX 469 AUGUSTA, ME 043320469 | HARVARD PILGRIM HEALTHCARE HMO 5000 | $0 | $36K | $36K | 2.75% |
| CROSS BENEFIT SOLUTIONS Filed as: CROSS BENEFITS SOLUTIONS | 116 COMMUNITY DRIVE SUITE 2 PO BOX 469 AUGUSTA, ME 043320469 | HARVARD PILGRIM HEALTHCARE HMO 3500 | $0 | $6K | $6K | 2.77% |
| CROSS BENEFIT SOLUTIONS Filed as: CROSS BENEFITS SOLUTIONS | 116 COMMUNITY DRIVE SUITE 2 PO BOX 469 AUGUSTA, ME 043320469 | DELTA DENTAL PLAN OF MAINE | $0 | $3K | $3K | 5.01% |
| COMBINED SERVICES LLC | DBA SCONE BENEFIT SOLUTIONS PO BOX 1320 CONCORD, NH 033021320 | DELTA DENTAL PLAN OF MAINE | $0 | $753 | $753 | 1.31% |
| CROSS BENEFIT SOLUTIONS Filed as: CROSS BENEFITS SOLUTIONS | 116 COMMUNITY DRIVE SUITE 2 PO BOX 469 AUGUSTA, ME 043320469 | CIGNA GROUP INSURANCE | $0 | $3K | $3K | 11.88% |
| CROSS BENEFIT SOLUTIONS Filed as: CROSS BENEFITS SOLUTIONS | 116 COMMUNITY DRIVE SUITE 2 PO BOX 469 AUGUSTA, ME 043320469 | GARVARD PILGRIM HEALTHCARE HMO 1500 | $0 | $680 | $680 | 2.77% |
| CROSS BENEFIT SOLUTIONS Filed as: CROSS BENEFITS SOLUTIONS | 116 COMMUNITY DR SUITE 2 PO BOX 469 AUGUSTA, ME 043320469 | HARVARD PILGRIM HEALTHCARE PPO | $0 | $358 | $358 | 2.76% |
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 | 249 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 249 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | HARVARD PILGRIM HEALTHCARE HMO 5000 | 140 | $1.6M |
| Dental | DELTA DENTAL PLAN OF MAINE | 169 | $58K |
| Life insurance | CIGNA GROUP INSURANCE | 249 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 249 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.