| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMERICAN BENEFITS AND COMPENSATION3 Filed as: AMERICAN BENEFITS & COMPENSATION | 101 PARK AVE 14TH FLOOR NEW YORK, NY 10178 | UNUM LIFE INSURANCE COMPANY OF AMERICA - LTD | $150K | — | $150K | 2.82% |
| CROSS INSURANCE3 | 491 MAIN ST BANGOR, ME 04401 | UNUM LIFE INSURANCE COMPANY OF AMERICA - LTD | $9K | — | $9K | 0.17% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE AUGUSTA, ME 04332 | UNUM LIFE INSURANCE COMPANY OF AMERICA - LTD | $5K | — | $5K | 0.09% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE AUGUSTA, ME 04332 | UNUM LIFE INSURANCE COMPANY OF AMERICA - LIFESTYLE LIFE | $199K | — | $199K | 5.00% |
| CROSS INSURANCE3 | 491 MAIN ST BANGOR, ME 04401 | UNUM LIFE INSURANCE COMPANY OF AMERICA - LIFESTYLE LIFE | $80K | — | $80K | 2.00% |
| CROSS INSURANCE3 | 491 MAIN ST BANGOR, ME 04401 | UNUM LIFE INSURANCE COMPANY OF AMERICA - ADD, LIFE | $35K | — | $35K | 2.00% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE AUGUSTA, ME 04332 | UNUM LIFE INSURANCE COMPANY OF AMERICA - ADD, LIFE | $12K | — | $12K | 0.70% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE AUGUSTA, ME 04330 | AETNA LIFE INSURANCE CO. | $90K | — | $90K | 6.66% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE AUGUSTA, ME 04332 | UNUM INSURANCE COMPANY - CRITICAL ILLNESS | $115K | — | $115K | 15.00% |
| CROSS INSURANCE3 | 491 MAIN ST BANGOR, ME 04401 | UNUM INSURANCE COMPANY - CRITICAL ILLNESS | $17K | — | $17K | 2.21% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE AUGUSTA, ME 04332 | UNUM INSURANCE COMPANY - ACCIDENT INSURANCE | $53K | — | $53K | 11.35% |
| CROSS INSURANCE3 | 491 MAIN ST BANGOR, ME 04401 | UNUM INSURANCE COMPANY - ACCIDENT INSURANCE | $15K | — | $15K | 3.20% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE AUGUSTA, ME 04332 | UNUM INSURANCE COMPANY - HOSPITAL INSURANCE | $54K | — | $54K | 15.00% |
| CROSS INSURANCE3 | 491 MAIN ST BANGOR, ME 04401 | UNUM INSURANCE COMPANY - HOSPITAL INSURANCE | $13K | — | $13K | 3.71% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE AUGUSTA, ME 04332 | UNUM LIFE INSURANCE COMPANY OF AMERICA - ACCIDENT AND CRITICAL ILLNESS | $1K | — | $1K | 11.81% |
| BENEFIT COMMUNICATIONS INC3 Filed as: BENEFIT COMMUNICATIONS, INC | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA - ACCIDENT AND CRITICAL ILLNESS | $410 | — | $410 | 3.45% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CLAIMS PROCESSING | Contract Administrator Service code 13 | 151 FARMINGTON AVENUE HARTFORD, CT 06156 | $5.2M |
| DELTA DENTAL PLAN OF MAINE EIN 01-0286541 DENTAL CLAIMS PROCESSING | Claims processing Service code 12 | ONE DELTA DRIVE CONCORD, NH 033022002 | $858K |
| UNUM LIFE INSURANCE CO OF AMERICA EIN 01-0278678 ADMINISTRATOR | Plan Administrator Service code 14 | 1 FOUNTAIN SQUARE CHATTANOOGA, TN 37402 | $734K |
| AETNA BEHAVIORAL HEALTH, LLC EIN 20-0446713 ADMINISTRATOR | Plan Administrator Service code 14 | 151 FARMINGTON AVENUE RSAA HARTFORD, CT 06156 | $508K |
| CROSS BENEFIT SOLUTIONS - DENTAL EIN 01-0508976 BROKER | Insurance agents and brokers Service code 22 | — | $68K |
| AMERICAN BENEFITS COMP SYSTEMS INC BROKER | Insurance agents and brokers Service code 22 | 101 PARK AVE 14TH FLOOR NEW YORK, NY 10178 | $0 |
| VOYA BENEFITS COMPANY, LLC EIN 02-0488491 ADMINISTRATOR | Plan Administrator Service code 14 | 5780 POWERS FERRY RD. NW ATLANTA, GA 30327 | $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 | 19,410 | 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) | 19,410 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | AETNA LIFE INSURANCE CO. | 29,423 | $1.4M |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA - LIFESTYLE LIFE | 19,410 | $5.7M |
| Short-term disability(3 contracts, 3 carriers) | UNUM INSURANCE COMPANY - CRITICAL ILLNESS | 3,646 | $1.2M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA - LTD | 18,371 | $5.3M |
| Other | UNUM INSURANCE COMPANY - HOSPITAL INSURANCE | 1,386 | $361K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 29,423 | — |
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.