| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROSS BENEFIT SOLUTIONS3 | 2367 CONGRESS STREET PORTLAND, ME 04102 | HARVARD PILGRIM HEALTH CARE | $27K | — | $27K | 3.06% |
| BGA INSURANCE AGENCY3 Filed as: BGA INSURANCE AGENCY, INC. | 491 MAIN STREET BANGOR, ME 04401 | HARVARD PILGRIM HEALTH CARE | $420 | — | $420 | 0.05% |
| CROSS BENEFIT SOLUTIONS3 | 2367 CONGRESS STREET PORTLAND, ME 04102 | HARVARD PILGRIM HEALTH CARE | $20K | — | $20K | 3.19% |
| BGA INSURANCE AGENCY3 Filed as: BGA INSURANCE AGENCY, INC. | 491 MAIN STREET BANGOR, ME 04401 | HARVARD PILGRIM HEALTH CARE | $311 | — | $311 | 0.05% |
| CROSS BENEFIT SOLUTIONS3 | 2367 CONGRESS STREET PORTLAND, ME 04102 | HARVARD PILGRIM HEALTH CARE | $16K | — | $16K | 3.14% |
| BGA INSURANCE AGENCY3 | 491 MAIN STREET BANGOR, ME 04401 | HARVARD PILGRIM HEALTH CARE | $240 | — | $240 | 0.05% |
| CROSS BENEFIT SOLUTIONS3 | 2367 CONGRESS STREET PORTLAND, ME 04102 | HARVARD PILGRIM HEALTH CARE | $9K | — | $9K | 3.15% |
| BGA INSURANCE AGENCY3 Filed as: BGA INSURANCE AGENCY INC. | 491 MAIN STREET BANGOR, ME 04401 | HARVARD PILGRIM HEALTH CARE | $132 | — | $132 | 0.05% |
| CROSS BENEFIT SOLUTIONS3 | 86 MAIN STREET AUBURN, ME 04212 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | $3K | $11K | 8.98% |
| HPHC INSURANCE AGENCY, INC.3 Filed as: HPHC INSURANCE AGENCY INC. | 93 WORCESTER STREET WELLESLEY HILLS, MA 02481 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 5.00% |
| CROSS BENEFIT SOLUTIONS3 | 2367 CONGRESS STREET PORTLAND, ME 04102 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $166 | $3K | 4.88% |
| CROSS BENEFIT SOLUTIONS3 | 2367 CONGRESS STREET PORTLAND, ME 04102 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $80 | $5K | 15.25% |
| CROSS BENEFIT SOLUTIONS3 | 2367 CONGRESS STREET PORTLAND, ME 04102 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $76 | $5K | 15.24% |
| CROSS BENEFIT SOLUTIONS3 | 2367 CONGRESS STREET PORTLAND, ME 04102 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $37 | $2K | 10.92% |
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 | 325 | 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) | 325 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts) | HARVARD PILGRIM HEALTH CARE | 142 | $2.3M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 266 | $122K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 266 | $122K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 352 | $47K |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 353 | $191K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 105 | $32K |
| Prescription drug(4 contracts) | HARVARD PILGRIM HEALTH CARE | 142 | $2.3M |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 352 | $47K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 353 | — |
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.