| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROSS BENEFIT SOLUTIONS | 116 COMMUNITY DR AUGUSTA, ME 04330 | TRANSAMERICA LIFE INSURANCE COMPANY | $797 | — | $797 | 1.27% |
| COMBINED SERVICES LLC Filed as: COMBINED SERVICES | TWO DELTA DRIVE CONCORD, NH 03301 | TRANSAMERICA LIFE INSURANCE COMPANY | $532 | — | $532 | 0.85% |
| STEVEN ROCKWELL | 73 ROUTE 1235 STEDDARD, NH 03464 | TRANSAMERICA LIFE INSURANCE COMPANY | $111 | — | $111 | 0.18% |
| PETER PELLETIER | PO BOX 680 INTERVALE, NH 03845 | TRANSAMERICA LIFE INSURANCE COMPANY | $96 | — | $96 | 0.15% |
| WILLIAM VELTO Filed as: WILLIAM J VELTO | PO BOX 377 ORANGEBURG, NY 10962 | TRANSAMERICA LIFE INSURANCE COMPANY | $20 | — | $20 | 0.03% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DR AUGUSTA, ME 04330 | PRINCIPAL LIFE INSURANCE | $960 | $239 | $1K | 9.32% |
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 | 161 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 161 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 239 | $75K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 239 | — |
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."
No prospect flags tripped on this filing.