| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE SUITE 2 AUGUSTA, ME 04330 | HARVARD PILGRIM HEALTH CARE | $25K | — | $25K | 1.97% |
| CROSS INSURANCE3 | P.O. BOX 133 BANGOR, ME 04402 | HARVARD PILGRIM HEALTH CARE | $7K | — | $7K | 0.53% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE SUITE 2 AUGUSTA, ME 04330 | HARVARD PILGRIM HEALTH CARE | $16K | — | $16K | 1.95% |
| CROSS INSURANCE3 | P.O. BOX 133 BANGOR, ME 04402 | HARVARD PILGRIM HEALTH CARE | $4K | — | $4K | 0.52% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE SUITE 2 AUGUSTA, ME 04330 | HARVARD PILGRIM HEALTH CARE | $3K | — | $3K | 2.24% |
| CROSS INSURANCE3 | P.O. BOX 133 BANGOR, ME 04402 | HARVARD PILGRIM HEALTH CARE | $885 | — | $885 | 0.60% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE AUGUSTA, ME 043320469 | DELTA DENTAL PLAN OF MAINE | $5K | — | $5K | 4.97% |
| COMBINED SERVICES LLC3 | DBA CSONE BENEFIT SOLUTIONS P.O. BOX 1320 CONCORD, NH 033021320 | DELTA DENTAL PLAN OF MAINE | $78 | — | $78 | 0.08% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE AUGUSTA, ME 04330 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 7.95% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE AUGUSTA, ME 04330 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 7.88% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE AUGUSTA, ME 04330 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 9.63% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE AUGUSTA, ME 04330 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
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 | 178 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 178 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | HARVARD PILGRIM HEALTH CARE | 158 | $2.2M |
| Dental | DELTA DENTAL PLAN OF MAINE | 236 | $102K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 257 | $54K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 112 | $51K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 257 | $58K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 257 | $54K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 257 | — |
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.