| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROSS INSURANCE3 | 116 COMMUNITY DRIVE, SUITE 2 AUGUSTA, ME 04330 | HARVARD PILGRIM HEALTH CARE | $54K | $0 | $54K | 2.47% |
| CROSS INSURANCE3 | PO BOX 133 BANGOR, ME 04402 | HARVARD PILGRIM HEALTH CARE | $14K | $0 | $14K | 0.65% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE AUGUSTA, ME 04332 | DELTA DENTAL PLAN OF MAINE | $5K | $0 | $5K | 4.08% |
| CROSS INSURANCE3 | 116 COMMUNITY DRIVE, SUITE 2 AUGUSTA, ME 04330 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $0 | $9K | 9.55% |
| CROSS INSURANCE3 | 491 MAIN STREET BANGOR, ME 04401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $2K | $2K | 2.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1125 SANCTUARY PARKWAY, SUITE 300 ALPHARETTA, GA 30009 | ANTHEM HEALTH PLANS OF MAINE, INC. | $1K | $0 | $1K | 9.95% |
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 | 198 | 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) | 198 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HARVARD PILGRIM HEALTH CARE | 327 | $2.2M |
| Dental | DELTA DENTAL PLAN OF MAINE | 335 | $120K |
| Vision | ANTHEM HEALTH PLANS OF MAINE, INC. | 203 | $12K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 198 | $98K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 198 | $98K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 198 | $98K |
| Prescription drug | HARVARD PILGRIM HEALTH CARE | 327 | $2.2M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 198 | $98K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 335 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.