| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DR SUITE 2 PO BOX 469 AUGUSTA, ME 04330 | ANTHEM HEALTH PLANS OF MAINE, INC. | $91K | $17K | $107K | 3.03% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DR SUITE 2 PO BOX 469 AUGUSTA, ME 04330 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $35K | $10K | $45K | 7.23% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES LIMITED | 15 NORTH MAIN STREET STE 300 CONCORD, NH 03301 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $33K | — | $33K | 5.21% |
| HPHC INSURANCE AGENCY, INC.3 Filed as: HPHC INSURANCE AGENCY, INC | 93 WORCESTER STREET WELLESLEY HILLS, MA 02481 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 0.63% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DR SUITE 2 PO BOX 469 AUGUSTA, ME 04330 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $498 | $2K | 11.41% |
| HPHC INSURANCE AGENCY, INC.3 Filed as: HPHC INSURANCE AGENCY, INC | 93 WORCESTER STREET WELLESLEY HILLS, MA 02481 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $345 | — | $345 | 1.67% |
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 | 738 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 738 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF MAINE, INC. | 500 | $3.5M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 478 | $623K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 478 | $623K |
| Life insurance(2 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 661 | $644K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 478 | $623K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 478 | $623K |
| Other(2 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 661 | $644K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 661 | — |
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.