| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROSS BENEFIT SOLUTIONS3 | PO BOX 1388 BANGOR, ME 04401 | HPHC INSURANCE COMPANY | $24K | $0 | $24K | 4.15% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1420 5TH AVENUE, SUITE 1500 SEATTLE, WA 98101 | HPHC INSURANCE COMPANY | $2K | $0 | $2K | 0.38% |
| CROSS BENEFIT SOLUTIONS3 | PO BOX 1388 BANGOR, ME 04401 | HARVARD PILGRIM HEALTH CARE | $14K | $0 | $14K | 4.12% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1420 5TH AVENUE, SUITE 1500 SEATTLE, WA 98101 | HARVARD PILGRIM HEALTH CARE | $1K | $0 | $1K | 0.38% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE, SUITE 2 PO BOX 469 AUGUSTA, ME 04332 | DELTA DENTAL PLAN OF MAINE | $4K | $0 | $4K | 4.53% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES, LLC | PO BOX 1320 CONCORD, NH 03302 | DELTA DENTAL PLAN OF MAINE | $966 | $0 | $966 | 1.15% |
| CROSS BENEFIT SOLUTIONS3 | PO BOX 1388 BANGOR, ME 04401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 11.55% |
| CROSS INSURANCE3 | 491 MAIN STREET PO BOX 1388 BANGOR, ME 04401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $998 | $998 | 1.96% |
| ACADIA BENEFITS INC3 Filed as: ACADIA BENEFITS, INC. | 111 COMMERCIAL STREET, 5TH FLOOR PORTLAND, ME 04101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $87 | $0 | $87 | 0.17% |
| DEBORAH ANN SULLIVAN3 Filed as: DEBORAH A. SULLIVAN | 27 HEMLOCK RIDGE NORTH YARMOUTH, ME 04097 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $24 | $0 | $24 | 0.05% |
| ACADIA BENEFITS INC3 Filed as: ACADIA BENEFITS, INC. | 111 COMMERCIAL STREET, 5TH FLOOR PORTLAND, ME 04101 | ANTHEM HEALTH PLANS OF MAINE, INC. | $391 | $0 | $391 | 9.89% |
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 | 135 | 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) | 135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HPHC INSURANCE COMPANY | 149 | $926K |
| Dental | DELTA DENTAL PLAN OF MAINE | 241 | $84K |
| Vision | ANTHEM HEALTH PLANS OF MAINE, INC. | 70 | $4K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 135 | $51K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 135 | $51K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 135 | $51K |
| Prescription drug(2 contracts, 2 carriers) | HPHC INSURANCE COMPANY | 149 | $926K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 135 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 241 | — |
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."
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.