| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 320 WEST 57TH STREET NEW YORK, NY 10019 | HARVARD PILGRIM HEALTH CARE | $44K | $0 | $44K | 4.57% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE AUGUSTA, ME 04332 | DELTA DENTAL PLAN OF MAINE | $4K | $0 | $4K | 4.97% |
| COMBINED SERVICES LLC3 | PO BOX 1320 CONCORD, NH 03302 | DELTA DENTAL PLAN OF MAINE | $1K | $0 | $1K | 1.27% |
| CROSS BENEFIT SOLUTIONS3 | PO BOX 1388 BANGOR, ME 04401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 11.61% |
| CROSS INSURANCE3 | 491 MAIN STREET BANGOR, ME 04401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $1K | $1K | 1.95% |
| ACADIA BENEFITS INC3 | 111 COMMERCIAL STREET, 5TH FLOOR PORTLAND, ME 04101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $26 | $0 | $26 | 0.05% |
| DEBORAH ANN SULLIVAN3 Filed as: DEBORAH A. SULLIVAN | 27 HEMLOCK RIDGE NORTH YARMOUTH, ME 04097 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8 | $0 | $8 | 0.02% |
| ACADIA BENEFITS INC3 | 111 COMMERCIAL STREET, 5TH FLOOR PORTLAND, ME 04101 | ANTHEM HEALTH PLANS OF MAINE, INC. | $596 | $0 | $596 | 9.75% |
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 | 160 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 169 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HARVARD PILGRIM HEALTH CARE | 234 | $972K |
| Dental | DELTA DENTAL PLAN OF MAINE | 255 | $81K |
| Vision | ANTHEM HEALTH PLANS OF MAINE, INC. | 109 | $6K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 140 | $53K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 140 | $53K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 140 | $53K |
| Prescription drug | HARVARD PILGRIM HEALTH CARE | 234 | $972K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 140 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 255 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.