| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROSS BENEFIT SOLUTIONS3 | P.O. BOX 469 AUGUSTA, ME 04330 | HPHC JOINT VENTURE UHG | $24K | — | $24K | 2.80% |
| CROSS BENEFIT SOLUTIONS3 | P.O. BOX 469 AUGUSTA, ME 04330 | HPHC JOINT VENTURE UHG | $16K | — | $16K | 2.38% |
| CROSS BENEFIT SOLUTIONS3 | P.O. BOX 469 AUGUSTA, ME 04330 | HPHC JOINT VENTURE UHG | $12K | — | $12K | 2.78% |
| CROSS BENEFIT SOLUTIONS3 | P.O. BOX 469 AUGUSTA, ME 04330 | HPHC JOINT VENTURE UHG | $7K | — | $7K | 2.31% |
| CROSS BENEFIT SOLUTIONS3 | P.O. BOX 469 AUGUSTA, ME 04330 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $2K | $5K | 5.60% |
| CROSS BENEFIT SOLUTIONS3 | P.O. BOX 469 AUGUSTA, ME 04330 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $2K | $6K | 8.63% |
| CROSS BENEFIT SOLUTIONS3 | P.O. BOX 469 AUGUSTA, ME 04330 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $1K | $6K | 19.13% |
| CROSS BENEFIT SOLUTIONS3 | P.O. BOX 469 AUGUSTA, ME 04330 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $1K | $5K | 18.61% |
| CROSS BENEFIT SOLUTIONS3 | P.O. BOX 469 AUGUSTA, ME 04330 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $557 | $2K | 14.64% |
| CROSS BENEFIT SOLUTIONS3 | P.O. BOX 469 AUGUSTA, ME 04332 | ANTHEM HEALTH PLANS OF MAINE, INC. | $1K | $470 | $2K | 13.33% |
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 | 310 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 312 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts) | HPHC JOINT VENTURE UHG | 147 | $2.3M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 211 | $92K |
| Vision | ANTHEM HEALTH PLANS OF MAINE, INC. | 245 | $14K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 302 | $15K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 302 | $65K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 104 | $29K |
| Prescription drug(4 contracts) | HPHC JOINT VENTURE UHG | 147 | $2.3M |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 302 | $47K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 302 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.