| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE, SUITE 2 AUGUSTA, ME 04332 | HPHC INSURANCE COMPANY | $29K | — | $29K | 4.72% |
| HEALEY & ASSOCIATES3 Filed as: HEALEY & ASSOCIATES, INC | PO BOX 599 PORTLAND, ME 041120599 | HPHC INSURANCE COMPANY | $67 | — | $67 | 0.01% |
| CROSS BENEFIT SOLUTIONS3 | 111 COMMERICAL STREET PORTLAND, ME 04332 | HARVARD PILGRIM HEALTH CARE | $13K | — | $13K | 4.76% |
| HEALEY & ASSOCIATES3 Filed as: HEALEY & ASSOCIATES, INC | PO BOX 599 PORTLAND, ME 041120599 | HARVARD PILGRIM HEALTH CARE | $29 | — | $29 | 0.01% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE, SUITE 2 AUGUSTA, ME 04332 | DELTA DENTAL PLAN OF MAINE | $4K | — | $4K | 4.59% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES, LLC | PO BOX 1320 CONCORD, NH 03302 | DELTA DENTAL PLAN OF MAINE | $1K | — | $1K | 1.17% |
| CROSS BENEFIT SOLUTIONS3 | PO BOX 469 AUGUSTA, ME 04330 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $184 | $4K | 10.90% |
| CROSS INSURANCE3 | 491 MAIN STREET BANGOR, ME 04401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $342 | $518 | $860 | 2.45% |
| CROSS BENEFIT SOLUTIONS3 | PO BOX 469 AUGUSTA, ME 04330 | HARVARD PILGRIM HEALTH CARE | $517 | — | $517 | 4.73% |
| HEALEY & ASSOCIATES3 Filed as: HEALEY & ASSOCIATES, INC | PO BOX 599 PORTLAND, ME 041120599 | HARVARD PILGRIM HEALTH CARE | $1 | — | $1 | 0.01% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE, SUITE 2 PORTLAND, ME 04332 | HPHC INSURANCE COMPANY | $415 | — | $415 | 4.73% |
| HEALEY & ASSOCIATES3 Filed as: HEALEY & ASSOCIATES, INC | PO BOX 599 PORTLAND, ME 041120599 | HPHC INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| CROSS BENEFIT SOLUTIONS3 | PO BOX 469 AUGUSTA, ME 04330 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $921 | $37 | $958 | 14.10% |
| CROSS INSURANCE3 | 491 MAIN STREET BANGOR, ME 04401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $98 | $99 | $197 | 2.90% |
| ACADIA BENEFITS INC3 Filed as: ACADIA BENEFITS, INC | 111 COMMERICAL STREET PORTLAND, ME 04101 | ANTHEM HEALTH PLANS OF MAINE, INC. | $249 | $35 | $284 | 8.90% |
| DEBORAH ANN SULLIVAN3 Filed as: DEBORAH SULLIVAN | 27 HEMLOCK RIDGE NORTH YARMOUTH, ME 04097 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $433 | — | $433 | 26.31% |
| ACADIA BENEFITS INC3 Filed as: ACADIA BENEFITS, INC | 111 COMMERICAL STREET PORTLAND, ME 04101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $164 | $20 | $184 | 11.18% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE, SUITE 2 AUGUSTA, ME 04332 | HPHC INSURANCE COMPANY | $33 | — | $33 | 4.70% |
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 | 151 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 151 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 3 carriers) | HPHC INSURANCE COMPANY | 147 | $913K |
| Dental | DELTA DENTAL PLAN OF MAINE | 238 | $88K |
| Vision | ANTHEM HEALTH PLANS OF MAINE, INC. | 57 | $3K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 151 | $42K |
| Short-term disability(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 151 | $44K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 151 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 238 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.