| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROSS BENEFIT SOLUTIONS | 166 COMMUNITY DRIVE AUGUSTA, ME 04330 | TRANSAMERICA LIFE INSURANCE COMPANY | $777 | — | $777 | 1.29% |
| COMBINED SERVICES LLC | TWO DELTA DRIVE CONCORD, NH 03301 | TRANSAMERICA LIFE INSURANCE COMPANY | $519 | — | $519 | 0.86% |
| STEVEN ROCKWELL | 73 ROUTE 1235 STODDARD, NH 03464 | TRANSAMERICA LIFE INSURANCE COMPANY | $93 | — | $93 | 0.15% |
| PETER PELLETIER | PO BOX 680 INTERVALE, NH 03845 | TRANSAMERICA LIFE INSURANCE COMPANY | $88 | — | $88 | 0.15% |
| WILLIAM VELTO Filed as: WILLIAM J VELTO | PO BOX 377 ORANGEBURG, NY 10962 | TRANSAMERICA LIFE INSURANCE COMPANY | $14 | — | $14 | 0.02% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE AUGUSTA, ME 04334 | PRINCIPAL LIFE INSURANCE | $143 | $243 | $386 | 11.76% |
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 | 183 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 183 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 150 | $64K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 150 | — |
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.