| 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 | $173K | — | $173K | 2.82% |
| AMERICAN BENEFITS AND COMPENSATION3 Filed as: AMERICAN BENEFITS & COMPENSATION | 101 PARK AVE 14TH FLOOR NEW YORK, NY 10178 | UNUM LIFE INSURANCE COMPANY OF AMERICA - LIFESTYLE LIFE | $271K | — | $271K | 5.93% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE AUGUSTA, ME 04332 | UNUM LIFE INSURANCE COMPANY OF AMERICA - LIFESTYLE LIFE | $17K | — | $17K | 0.37% |
| CROSS INSURANCE3 | 491 MAIN ST BANGOR, ME 04401 | UNUM LIFE INSURANCE COMPANY OF AMERICA - LIFESTYLE LIFE | $7K | — | $7K | 0.15% |
| AMERICAN BENEFITS AND COMPENSATION3 Filed as: AMERICAN BENEFITS & COMPENSATION | 101 PARK AVE 14TH FLOOR NEW YORK, NY 10178 | UNUM LIFE INSURANCE COMPANY OF AMERICA - ADD, LIFE | $36K | — | $36K | 2.34% |
| CROSS INSURANCE3 | 491 MAIN ST BANGOR, ME 04401 | UNUM LIFE INSURANCE COMPANY OF AMERICA - ADD, LIFE | $2K | — | $2K | 0.15% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE AUGUSTA, ME 04332 | UNUM LIFE INSURANCE COMPANY OF AMERICA - ADD, LIFE | $561 | — | $561 | 0.04% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE AUGUSTA, ME 04332 | AETNA LIFE INSURANCE CO. | $121K | — | $121K | 8.63% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE AUGUSTA, ME 04332 | UNUM INSURANCE COMPANY - CRITICAL ILLNESS | $136K | — | $136K | 15.00% |
| CROSS INSURANCE3 | 491 MAIN ST BANGOR, ME 04401 | UNUM INSURANCE COMPANY - CRITICAL ILLNESS | $18K | — | $18K | 2.00% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE AUGUSTA, ME 04332 | UNUM INSURANCE COMPANY - ACCIDENT INSURANCE | $62K | — | $62K | 11.66% |
| CROSS INSURANCE3 | 491 MAIN ST BANGOR, ME 04401 | UNUM INSURANCE COMPANY - ACCIDENT INSURANCE | $14K | — | $14K | 2.64% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE AUGUSTA, ME 04332 | UNUM INSURANCE COMPANY - HOSPITAL INSURANCE | $71K | — | $71K | 15.01% |
| CROSS INSURANCE3 | 491 MAIN ST BANGOR, ME 04401 | UNUM INSURANCE COMPANY - HOSPITAL INSURANCE | $14K | — | $14K | 3.02% |
| CROSS BENEFIT SOLUTIONS3 | PO BOX 1388 BANGOR, ME 04401 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $44K | — | $44K | 17.37% |
| AMERICAN BENEFITS AND COMPENSATION3 Filed as: AMERICAN BENEFITS & COMPENSATION | 101 PARK AVE 14TH FLOOR NEW YORK, NY 10178 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $6K | — | $6K | 2.54% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC.- HQ | 10TH FLOOR 18100 VON KARMAN AVE IRVINE, CA 92612 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 0.83% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE AUGUSTA, ME 04332 | UNUM LIFE INSURANCE COMPANY OF AMERICA - ACCIDENT AND CRITICAL ILLNESS | $1K | — | $1K | 12.21% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DR NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA - ACCIDENT AND CRITICAL ILLNESS | $257 | — | $257 | 2.56% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CLAIMS PROCESSING | Contract Administrator Service code 13 | 151 FARMINGTON AVENUE HARTFORD, CT 06156 | $7.5M |
| DELTA DENTAL PLAN OF MAINE EIN 01-0286541 DENTAL CLAIMS PROCESSING | Claims processing Service code 12 | ONE DELTA DRIVE CONCORD, NH 033022002 | $897K |
| UNUM LIFE INSURANCE CO OF AMERICA EIN 01-0278678 ADMINISTRATOR | Plan Administrator Service code 14 | 1 FOUNTAIN SQUARE CHATTANOOGA, TN 37402 | $836K |
| AETNA BEHAVIORAL HEALTH, LLC EIN 20-0446713 ADMINISTRATOR | Plan Administrator Service code 14 | 151 FARMINGTON AVENUE RSAA HARTFORD, CT 06156 | $581K |
| CROSS BENEFIT SOLUTIONS - DENTAL EIN 01-0508976 BROKER | Insurance agents and brokers Service code 22 | — | $71K |
| AMERICAN BENEFITS COMP SYSTEMS INC BROKER | Insurance agents and brokers Service code 22 | 101 PARK AVE 14TH FLOOR NEW YORK, NY 10178 | $0 |
| HEALTHEQUITY, INC. EIN 52-2383166 ADMINISTRATOR | Plan Administrator Service code 14 | 15 W SCENIC POINTE DRIVE, SUITE100 DRAPER, UT 84020 | $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 | 20,452 | 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) | 20,452 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | AETNA LIFE INSURANCE CO. | 30,439 | $1.4M |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA - LIFESTYLE LIFE | 20,452 | $6.1M |
| Short-term disability(3 contracts, 3 carriers) | UNUM INSURANCE COMPANY - CRITICAL ILLNESS | 3,825 | $1.4M |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA - LTD | 19,508 | $6.4M |
| Other | UNUM INSURANCE COMPANY - HOSPITAL INSURANCE | 1,908 | $475K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 30,439 | — |
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.