| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROSS INSURANCE3 | 491 MAIN ST BANGOR, ME 04401 | UNUM LIFE INSURANCE COMPANY OF AMERICA - LTD | $119K | — | $119K | 2.04% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE AUGUSTA, ME 04332 | UNUM LIFE INSURANCE COMPANY OF AMERICA - LTD | $63K | — | $63K | 1.09% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE AUGUSTA, ME 04332 | UNUM LIFE INSURANCE COMPANY OF AMERICA - LIFESTYLE LIFE | $185K | — | $185K | 5.10% |
| CROSS INSURANCE3 | 491 MAIN ST BANGOR, ME 04401 | UNUM LIFE INSURANCE COMPANY OF AMERICA - LIFESTYLE LIFE | $74K | — | $74K | 2.04% |
| CROSS INSURANCE3 | 491 MAIN ST BANGOR, ME 04401 | UNUM LIFE INSURANCE COMPANY OF AMERICA - ADD, LIFE | $29K | — | $29K | 2.04% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE AUGUSTA, ME 04332 | UNUM LIFE INSURANCE COMPANY OF AMERICA - ADD, LIFE | $11K | — | $11K | 0.75% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE AUGUSTA, ME 04332 | ANTHEM HEALTH PLANS OF MAINE, INC. - VISION | $124K | — | $124K | 9.43% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE AUGUSTA, ME 04332 | UNUM LIFE INSURANCE COMPANY OF AMERICA - ACCIDENT AND CRITICAL ILLNESS | $103K | — | $103K | 10.75% |
| BENEFIT COMMUNICATIONS INC3 Filed as: BENEFIT COMMUNICATIONS, INC | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA - ACCIDENT AND CRITICAL ILLNESS | $35K | — | $35K | 3.65% |
| CROSS INSURANCE3 | 491 MAIN ST BANGOR, ME 04401 | UNUM LIFE INSURANCE COMPANY OF AMERICA - ACCIDENT AND CRITICAL ILLNESS | $69 | — | $69 | 0.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM HEALTH PLANS OF MAINE, INC. EIN 31-1705652 CLAIMS PROCESSING | Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Float revenue; Other fees; Claims processing Service code 12 | — | $7.7M |
| DELTA DENTAL PLAN OF MAINE EIN 01-0286541 DENTAL CLAIMS PROCESSING | Claims processing Service code 12 | ONE DELTA DRIVE CONCORD, NH 033022002 | $718K |
| CROSS BENEFIT SOLUTIONS - DENTAL EIN 01-0508976 BROKER | Insurance agents and brokers Service code 22 | — | $66K |
| BENEFIT STRATEGIES LLC EIN 26-0003294 ADMINISTRATOR | Plan Administrator Service code 14 | 967 ELM ST, PO BOX 1300 MANCHESTER, NH 03105 | $0 |
| CROSS BENEFIT SOLUTIONS EIN 31-1705652 BROKER | Insurance agents and brokers; Insurance brokerage commissions and fees; Other commissions Service code 22 | PO BOX 469 AUGUSTA, ME 04332 | $0 |
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 | 16,897 | 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) | 16,897 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | ANTHEM HEALTH PLANS OF MAINE, INC. - VISION | 12,202 | $1.3M |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA - LIFESTYLE LIFE | 16,897 | $5.1M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA - ACCIDENT AND CRITICAL ILLNESS | 3,423 | $962K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA - LTD | 16,083 | $5.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 16,897 | — |
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.