| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROSS INSURANCE3 | 491 MAIN ST BANGOR, ME 04401 | UNUM LIFE INSURANCE COMPANY OF AMERICA - LTD | $99K | — | $99K | 1.93% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE AUGUSTA, ME 04332 | UNUM LIFE INSURANCE COMPANY OF AMERICA - LTD | $53K | — | $53K | 1.04% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE AUGUSTA, ME 04332 | UNUM LIFE INSURANCE COMPANY OF AMERICA - LIFESTYLE LIFE | $188K | — | $188K | 4.84% |
| CROSS INSURANCE3 | 491 MAIN ST BANGOR, ME 04401 | UNUM LIFE INSURANCE COMPANY OF AMERICA - LIFESTYLE LIFE | $75K | — | $75K | 1.94% |
| CROSS INSURANCE3 | 491 MAIN ST BANGOR, ME 04401 | UNUM LIFE INSURANCE COMPANY OF AMERICA - ADD, LIFE | $36K | — | $36K | 1.93% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE AUGUSTA, ME 04332 | UNUM LIFE INSURANCE COMPANY OF AMERICA - ADD, LIFE | $12K | — | $12K | 0.67% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE, SUITE 2 AUGUSTA, ME 04330 | ANTHEM HEALTH PLANS OF MAINE, INC. - VISION | $120K | $0 | $120K | 8.04% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE AUGUSTA, ME 04332 | UNUM LIFE INSURANCE COMPANY OF AMERICA - ACCIDENT AND CRITICAL ILLNESS | $173K | — | $173K | 16.73% |
| CROSS INSURANCE3 | 491 MAIN ST BANGOR, ME 04401 | UNUM LIFE INSURANCE COMPANY OF AMERICA - ACCIDENT AND CRITICAL ILLNESS | $7K | — | $7K | 0.67% |
| BENEFIT COMMUNICATIONS INC3 Filed as: BENEFIT COMMUNICATIONS, INC | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA - ACCIDENT AND CRITICAL ILLNESS | $433 | — | $433 | 0.04% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM HEALTH PLANS OF MAINE, INC. EIN 31-1705652 CLAIMS PROCESSING | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Other services; Claims processing; Float revenue; Other fees Service code 12 | — | $8.6M |
| DELTA DENTAL PLAN OF MAINE EIN 01-0286541 DENTAL CLAIMS PROCESSING | Claims processing Service code 12 | ONE DELTA DRIVE CONCORD, NH 033022002 | $833K |
| UNUM LIFE INSURANCE CO OF AMERICA EIN 01-0278678 ADMINISTRATOR | Plan Administrator Service code 14 | 1 FOUNTAIN SQUARE CHATTANOOGA, TN 37402 | $729K |
| CROSS BENEFIT SOLUTIONS - DENTAL EIN 01-0508976 BROKER | Insurance agents and brokers Service code 22 | — | $69K |
| 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 brokerage commissions and fees; Insurance agents and brokers; Other commissions Service code 22 | 116 COMMUNITY DRIVE, STE 2 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 | 18,707 | 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) | 18,707 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | ANTHEM HEALTH PLANS OF MAINE, INC. - VISION | 13,477 | $1.5M |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA - LIFESTYLE LIFE | 18,707 | $5.7M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA - ACCIDENT AND CRITICAL ILLNESS | 4,052 | $1.0M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA - LTD | 17,625 | $5.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 18,707 | — |
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.