| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROSS INSURANCE3 | PO BOX 1388 BANGOR, ME 04402 | ANTHEM HEALTH PLANS OF MAINE | $31K | — | $31K | 6.84% |
| CROSS BENEFIT SOLUTIONS3 | 2367 CONGRESS STREET PORTLAND, ME 04102 | ANTHEM HEALTH PLANS OF MAINE | — | $786 | $786 | 0.17% |
| CROSS INSURANCE3 | PO BOX 1388 BANGOR, ME 04402 | ANTHEM LIFE INSURANCE COMPANY | $3K | — | $3K | 4.72% |
| CROSS INSURANCE3 | 491 MAIN STREET BANGOR, ME 044016296 | AMERITAS LIFE INSURANCE CORP. | $5K | — | $5K | 10.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES LLC | 1933 STATE ROUTE 35 STE 368 WALL TOWNSHIP, NJ 077193502 | AMERITAS LIFE INSURANCE CORP. | $944 | — | $944 | 2.00% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE AUGUSTA, ME 043308009 | AMERITAS LIFE INSURANCE CORP. | — | $506 | $506 | 1.07% |
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 | 151 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 151 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF MAINE | 246 | $459K |
| Dental | AMERITAS LIFE INSURANCE CORP. | 226 | $47K |
| Vision(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF MAINE | 246 | $506K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 171 | $56K |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY | 171 | $56K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 171 | $56K |
| Other(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF MAINE | 246 | $515K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 246 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.