| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE, SUITE 2 AUGUSTA, ME 04330 | HARVARD PILGRIM HEALTH CARE | $34K | — | $34K | 2.27% |
| CROSS INSURANCE3 Filed as: CROSS INSURANCE - BANGOR | PO BOX 133 BANGOR, ME 04402 | HARVARD PILGRIM HEALTH CARE | — | $9K | $9K | 0.60% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE AUGUSTA, ME 04332 | DELTA DENTAL PLAN OF MAINE | $4K | — | $4K | 4.73% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE, SUITE 2 AUGUSTA, ME 04330 | HARVARD PILGRIM HEALTH CARE | $1K | — | $1K | 2.74% |
| CROSS INSURANCE3 Filed as: CROSS INSURANCE - BANGOR | PO BOX 133 BANGOR, ME 04402 | HARVARD PILGRIM HEALTH CARE | — | $298 | $298 | 0.72% |
| CROSS BENEFIT SOLUTIONS3 | 2367 CONGRESS STREET PORTLAND, ME 04102 | ANTHEM LIFE INSURANCE COMPANY | $3K | — | $3K | 9.02% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE, SUITE 2 AUGUSTA, ME 04330 | HARVARD PILGRIM HEALTH CARE | $691 | — | $691 | 2.44% |
| CROSS INSURANCE3 Filed as: CROSS INSURANCE - BANGOR | PO BOX 133 BANGOR, ME 04402 | HARVARD PILGRIM HEALTH CARE | — | $182 | $182 | 0.64% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE, SUITE 2 AUGUSTA, ME 04330 | HPHC INSURANCE COMPANY | $338 | — | $338 | 2.28% |
| CROSS INSURANCE3 Filed as: CROSS INSURANCE - BANGOR | PO BOX 133 BANGOR, ME 04402 | HPHC INSURANCE COMPANY | — | $89 | $89 | 0.60% |
| CROSS BENEFIT SOLUTIONS3 | PO BOX 1388 BANGOR, ME 04401 | PROVIDENT LIFE AND ACCIDENT INSRUANCE COMPANY | $560 | — | $560 | 8.39% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE AUGUSTA, ME 04332 | RED TREE INSURANCE COMPANY, INC. | $423 | — | $423 | 9.95% |
| COMBINED SERVICES LLC3 | PO BOX 1320 CONCORD, NH 03302 | RED TREE INSURANCE COMPANY, INC. | $63 | — | $63 | 1.48% |
| CROSS INSURANCE3 Filed as: CROSS INSURANCE - BANGOR | PO BOX 133 BANGOR, ME 04402 | HARVARD PILGRIM HEALTH CARE | $0 | — | $0 | — |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE, SUITE 2 AUGUSTA, ME 04330 | HARVARD PILGRIM HEALTH CARE | $0 | — | $0 | — |
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 | 195 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 195 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL PLAN OF MAINE | 195 | $76K |
| Vision | RED TREE INSURANCE COMPANY, INC. | 111 | $4K |
| Life insurance(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 162 | $42K |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY | 162 | $36K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 162 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 195 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.