| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROSS INSURANCE3 | 491 MAIN STREET P.O. BOX 1388 BANGOR, ME 04401 | HARVARD PILGRIM HEALTH CARE | — | $8K | $8K | 0.64% |
| CROSS INSURANCE3 | 491 MAIN STREET P.O. BOX 1388 BANGOR, ME 04401 | HARVARD PILGRIM HEALTH CARE | — | $10K | $10K | 1.27% |
| CROSS INSURANCE3 | 491 MAIN STREET P.O. BOX 1388 BANGOR, ME 04401 | HARVARD PILGRIM HEALTH CARE | — | $2K | $2K | 0.76% |
| ACADIA BENEFITS INC3 | 50 PORTLAND PIER SUITE 301 PORTLAND, ME 04101 | DELTA DENTAL PLAN OF MAINE | $4K | — | $4K | 4.15% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE AUGUSTA, ME 043320469 | DELTA DENTAL PLAN OF MAINE | $894 | — | $894 | 0.86% |
| ACADIA BENEFITS INC3 | 50 PORTLAND PIER SUITE 301 PORTLAND, ME 04101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 5.92% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE SUITE 2 AUGUSTA, ME 04330 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $864 | $3K | $4K | 5.78% |
| ACADIA BENEFITS INC3 | 50 PORTLAND STREET SUITE 301 PORTLAND, ME 04101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 6.12% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE SUITE 2 AUGUSTA, ME 04330 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $508 | $2K | $3K | 4.83% |
| ACADIA BENEFITS INC3 | 50 PORTLAND PIER SUITE 301 PORTLAND, ME 04101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 8.44% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE SUITE 2 AUGUSTA, ME 04330 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $312 | $2K | $2K | 5.31% |
| ACADIA BENEFITS INC3 | 50 PORTLAND STREET SUITE 301 PORTLAND, ME 04101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 13.77% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE SUITE 2 AUGUSTA, ME 04330 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $262 | $1K | $1K | 6.25% |
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 | 180 | 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) | 180 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | HARVARD PILGRIM HEALTH CARE | 155 | $2.3M |
| Dental | DELTA DENTAL PLAN OF MAINE | 240 | $104K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 256 | $56K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 116 | $62K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 256 | $64K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 256 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 256 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.