| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROSS BENEFIT SOLUTIONS3 | 2367 CONGRESS ST PORTLAND, ME 04102 | HARVARD PILGRIM HEALTHCARE | $36K | $0 | $36K | 2.81% |
| CROSS INSURANCE3 | 491 MAIN ST BANGOR, ME 04401 | HARVARD PILGRIM HEALTHCARE | $14K | $0 | $14K | 1.13% |
| CROSS BENEFIT SOLUTIONS3 | 2331 CONGRESS ST PORTLAND, ME 04112 | HARVARD PILGRIM HEALTHCARE | $10K | $0 | $10K | 3.01% |
| CROSS INSURANCE3 | 491 MAIN ST BANGOR, ME 04401 | HARVARD PILGRIM HEALTHCARE | $4K | $0 | $4K | 1.21% |
| CROSS BENEFIT SOLUTIONS3 | 2367 CONGRESS ST PORTLAND, ME 04102 | HARVARD PILGRIM HEALTHCARE | $2K | $0 | $2K | 2.69% |
| CROSS INSURANCE3 | 491 MAIN ST BANGOR, ME 04401 | HARVARD PILGRIM HEALTHCARE | $768 | $0 | $768 | 1.08% |
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 | 165 | 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. |
| Total participants (= "Plan participants" tile) | 165 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | HARVARD PILGRIM HEALTHCARE | 122 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 122 | — |
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.