| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROSS BENEFIT SOLUTIONS3 | — | HARVARD PILGRIM HEALTH CARE | $32K | — | $32K | 2.80% |
| CROSS INSURANCE3 Filed as: CROSS INSURANCE - BANGOR | — | HARVARD PILGRIM HEALTH CARE | $11K | — | $11K | 0.98% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE, SUITE 2 AUGUSTA, ME 04330 | ANTHEM LIFE INSURANCE COMPANY | $16K | $1K | $17K | 16.03% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE AUGUSTA, ME 04332 | DELTA DENTAL PLAN OF MAINE | $4K | — | $4K | 4.83% |
| CROSS BENEFIT SOLUTIONS3 | — | HARVARD PILGRIM HEALTH CARE | $803 | — | $803 | 3.10% |
| CROSS INSURANCE3 Filed as: CROSS INSURANCE - BANGOR | — | HARVARD PILGRIM HEALTH CARE | $282 | — | $282 | 1.09% |
| CROSS BENEFIT SOLUTIONS3 | — | HARVARD PILGRIM HEALTH CARE | $518 | — | $518 | 4.06% |
| CROSS INSURANCE3 Filed as: CROSS INSURANCE - BANGOR | — | HARVARD PILGRIM HEALTH CARE | $182 | — | $182 | 1.43% |
| CROSS BENEFIT SOLUTIONS3 | — | HPHC INSURANCE COMPANY | $342 | — | $342 | 3.07% |
| CROSS INSURANCE3 Filed as: CROSS INSURANCE - BANGOR | — | HPHC INSURANCE COMPANY | $120 | — | $120 | 1.08% |
| CROSS BENEFIT SOLUTIONS3 | — | HARVARD PILGRIM HEALTH CARE | $241 | — | $241 | 2.45% |
| CROSS INSURANCE3 Filed as: CROSS INSURANCE - BANGOR | — | HARVARD PILGRIM HEALTH CARE | $85 | — | $85 | 0.86% |
| CROSS BENEFIT SOLUTIONS3 | PO BOX 1388 BANGOR, ME 04401 | PROVIDENT LIFE AND ACCIDENT INSRUANCE COMPANY | $588 | — | $588 | 8.35% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE AUGUSTA, ME 04332 | RED TREE INSURANCE COMPANY, INC. | $338 | — | $338 | 9.91% |
| COMBINED SERVICES LLC3 | PO BOX 1320 CONCORD, NH 03302 | RED TREE INSURANCE COMPANY, INC. | $51 | — | $51 | 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 | 188 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 188 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL PLAN OF MAINE | 188 | $76K |
| Vision | RED TREE INSURANCE COMPANY, INC. | 95 | $3K |
| Life insurance(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 144 | $111K |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY | 144 | $104K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 144 | $104K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 188 | — |
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.