| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROSS BENEFIT SOLUTIONS3 | PO BOX 1388 BANGOR, ME 04401 | HARVARD PILGRIM HEALTH CARE | $32K | — | $32K | 3.02% |
| CROSS BENEFIT SOLUTIONS3 | 2367 CONGRESS STREET PORTLAND, ME 04102 | ANTHEM LIFE INSURANCE COMPANY | $14K | $886 | $14K | 15.66% |
| CROSS BENEFIT SOLUTIONS5 | 116 COMMUNITY DRIVE AUGUSTA, ME 04332 | NORTHEAST DELTA DENTAL | $3K | — | $3K | 5.25% |
| CROSS BENEFIT SOLUTIONS3 | — | HARVARD PILGRIM HEALTH CARE | $847 | — | $847 | 3.91% |
| CROSS BENEFIT SOLUTIONS3 | P.O. BOX 469 AUGUSTA, ME 04332 | HPHC INSURANCE COMPANY | $650 | — | $650 | 3.91% |
| CROSS BENEFIT SOLUTIONS3 | PO BOX 1388 BANGOR, ME 04401 | PROVIDENT LIFE AND ACCIDENT INSRUANCE COMPANY | $627 | — | $627 | 8.59% |
| CROSS BENEFIT SOLUTIONS | 116 COMMUNITY DRIVE AUGUSTA, ME 04332 | RED TREE INSURANCE COMPANY, INC. | $308 | — | $308 | 10.03% |
| COMBINED SERVICES LLC | PO BOX 1320 CONCORD, NH 03302 | RED TREE INSURANCE COMPANY, INC. | $46 | — | $46 | 1.50% |
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 | 174 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 174 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | NORTHEAST DELTA DENTAL | 174 | $61K |
| Vision | RED TREE INSURANCE COMPANY, INC. | 77 | $3K |
| Life insurance(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 131 | $100K |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY | 131 | $92K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 131 | $92K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 174 | — |
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.