| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROSS BENEFIT SOLUTIONS3 | PO BOX 1388 BANGOR, ME 04402 | HARVARD PILGRIM HEALTH CARE | $33K | — | $33K | 2.40% |
| CROSS INSURANCE3 Filed as: CROSS INSURANCE - BANGOR | PO BOX 133 BANGOR, ME 04402 | HARVARD PILGRIM HEALTH CARE | $8K | — | $8K | 0.58% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE, SUITE 2 AUGUSTA, ME 04330 | ANTHEM LIFE INSURANCE COMPANY | $18K | $1K | $19K | 14.33% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE AUGUSTA, ME 04332 | DELTA DENTAL PLAN OF MAINE | $4K | — | $4K | 4.74% |
| CROSS BENEFIT SOLUTIONS3 | PO BOX 1388 BANGOR, ME 04402 | HARVARD PILGRIM HEALTH CARE | $1K | — | $1K | 2.82% |
| CROSS INSURANCE3 Filed as: CROSS INSURANCE - BANGOR | PO BOX 133 BANGOR, ME 04402 | HARVARD PILGRIM HEALTH CARE | $308 | — | $308 | 0.69% |
| CROSS BENEFIT SOLUTIONS3 | PO BOX 1388 BANGOR, ME 04402 | HARVARD PILGRIM HEALTH CARE | $407 | — | $407 | 2.55% |
| CROSS INSURANCE3 Filed as: CROSS INSURANCE - BANGOR | PO BOX 133 BANGOR, ME 04402 | HARVARD PILGRIM HEALTH CARE | $99 | — | $99 | 0.62% |
| CROSS BENEFIT SOLUTIONS3 | PO BOX 1388 BANGOR, ME 04402 | HPHC INSURANCE COMPANY | $336 | — | $336 | 2.63% |
| CROSS INSURANCE3 Filed as: CROSS INSURANCE - BANGOR | PO BOX 133 BANGOR, ME 04402 | HPHC INSURANCE COMPANY | $82 | — | $82 | 0.64% |
| CROSS BENEFIT SOLUTIONS3 | PO BOX 1388 BANGOR, ME 04401 | PROVIDENT LIFE AND ACCIDENT INSRUANCE COMPANY | $559 | — | $559 | 8.38% |
| CROSS BENEFIT SOLUTIONS3 | PO BOX 1388 BANGOR, ME 04402 | HARVARD PILGRIM HEALTH CARE | $59 | — | $59 | 0.98% |
| CROSS INSURANCE3 Filed as: CROSS INSURANCE - BANGOR | PO BOX 133 BANGOR, ME 04402 | HARVARD PILGRIM HEALTH CARE | $14 | — | $14 | 0.23% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE AUGUSTA, ME 04332 | RED TREE INSURANCE COMPANY, INC. | $417 | — | $417 | 9.95% |
| COMBINED SERVICES LLC3 | PO BOX 1320 CONCORD, NH 03302 | RED TREE INSURANCE COMPANY, INC. | $63 | — | $63 | 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 | 203 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 203 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL PLAN OF MAINE | 203 | $78K |
| Vision | RED TREE INSURANCE COMPANY, INC. | 114 | $4K |
| Life insurance(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 159 | $140K |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY | 159 | $133K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 159 | $133K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 203 | — |
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.