| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROSS BENEFIT SOLUTIONS3 | P.O. BOX 469 AUGUSTA, ME 04332 | HARVARD PILGRIM HEALTH CARE | $24K | — | $24K | 3.49% |
| CROSS BENEFIT SOLUTIONS3 | P.O. BOX 469 AUGUSTA, ME 04332 | HARVARD PILGRIM HEALTH CARE | $16K | — | $16K | 3.53% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE, SUITE 2 P.O. BOX 469 AUGUSTA, ME 043320469 | DELTA DENTAL PLAN OF MAINE | $3K | — | $3K | 4.99% |
| COMBINED SERVICES LLC3 | DBA CSONE BENEFIT SOLUTIONS P.O. BOX 1320 CONCORD, NH 033021320 | DELTA DENTAL PLAN OF MAINE | $559 | — | $559 | 0.88% |
| CROSS BENEFIT SOLUTIONS3 | P.O. BOX 469 AUGUSTA, ME 04332 | HARVARD PILGRIM HEALTH CARE | $1K | — | $1K | 3.79% |
| CROSS BENEFIT SOLUTIONS3 | P.O. BOX 469 AUGUSTA, ME 04332 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $579 | $4K | 12.53% |
| CROSS BENEFIT SOLUTIONS3 | P.O. BOX 469 AUGUSTA, ME 04332 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $344 | $2K | 11.64% |
| CROSS BENEFIT SOLUTIONS3 | P.O. BOX 469 AUGUSTA, ME 04332 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $315 | $2K | 17.31% |
| CROSS BENEFIT SOLUTIONS3 | P.O. BOX 469 AUGUSTA, ME 04332 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $190 | $1K | 11.82% |
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 | 129 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | HARVARD PILGRIM HEALTH CARE | 111 | $1.2M |
| Dental | DELTA DENTAL PLAN OF MAINE | 140 | $64K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 174 | $24K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 55 | $21K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 179 | $34K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 174 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 179 | — |
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.