| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, LLC | 470 ATLANTIC AVENUE BOSTON, MA 02210 | UNITEDHEALTHCARE INSURANCE COMPANY | $37K | $0 | $37K | 2.48% |
| CROSS BENEFIT SOLUTIONS3 | UNKNOWN PORTSMOUTH, OH 03801 | ANTHEM HEALTH PLANS OF MAINE | $3K | $0 | $3K | 3.11% |
| CROSS BENEFIT SOLUTIONS3 | 1085 BRIGHTON AVENUE PORTLAND, ME 04102 | ANTHEM HEALTH PLANS OF MAINE | $1K | $0 | $1K | 1.00% |
| CROSS BENEFIT SOLUTIONS3 | UNKNOWN PORTSMOUTH, OH 03801 | ANTHEM HEALTH PLANS OF MAINE | $3K | $0 | $3K | 3.91% |
| CROSS BENEFIT SOLUTIONS3 | PO BOX 469 AUGUSTA, ME 04332 | ANTHEM HEALTH PLANS OF MAINE | $174 | $300 | $474 | 0.66% |
| CROSS BENEFIT SOLUTIONS3 | 1085 BRIGHTON AVENUE PORTLAND, ME 04102 | ANTHEM HEALTH PLANS OF MAINE | $280 | $0 | $280 | 0.39% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE, SUITE 2 AUGUSTA, ME 04332 | ANTHEM LIFE INSURANCE COMPANY | $5K | $0 | $5K | 8.88% |
| CROSS BENEFIT SOLUTIONS3 | 1085 BRIGHTON AVENUE PORTLAND, ME 04102 | ANTHEM LIFE INSURANCE COMPANY | $0 | $2K | $2K | 3.54% |
| CROSS BENEFIT SOLUTIONS3 | PO BOX 469 AUGUSTA, ME 04332 | ANTHEM LIFE INSURANCE COMPANY | $1K | $3K | $5K | 14.12% |
| CROSS BENEFIT SOLUTIONS3 | 1085 BRIGHTON AVENUE PORTLAND, ME 04102 | ANTHEM LIFE INSURANCE COMPANY | $2K | $0 | $2K | 7.24% |
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 | 120 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 128 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 82 | $1.5M |
| Dental(2 contracts) | ANTHEM HEALTH PLANS OF MAINE | 243 | $181K |
| Vision(2 contracts) | ANTHEM HEALTH PLANS OF MAINE | 243 | $181K |
| Life insurance(2 contracts) | ANTHEM LIFE INSURANCE COMPANY | 120 | $95K |
| Short-term disability(2 contracts) | ANTHEM LIFE INSURANCE COMPANY | 120 | $95K |
| Long-term disability(2 contracts) | ANTHEM LIFE INSURANCE COMPANY | 120 | $95K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 82 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 243 | — |
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."
No prospect flags tripped on this filing.