| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE SUITE 2 AUGUSTA, ME 04330 | HARVARD PILGRIM HEALTH CARE | $25K | — | $25K | 3.25% |
| CROSS INSURANCE3 | P.O. BOX 133 BANGOR, ME 04402 | HARVARD PILGRIM HEALTH CARE | — | $8K | $8K | 1.03% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE SUITE 2 AUGUSTA, ME 04330 | HARVARD PILGRIM HEALTH CARE | $11K | — | $11K | 2.97% |
| CROSS INSURANCE3 | P.O. BOX 133 BANGOR, ME 04402 | HARVARD PILGRIM HEALTH CARE | — | $3K | $3K | 0.94% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE SUITE 2 AUGUSTA, ME 04330 | HARVARD PILGRIM HEALTH CARE | $9K | — | $9K | 3.15% |
| CROSS INSURANCE3 | P.O. BOX 133 BANGOR, ME 04402 | HARVARD PILGRIM HEALTH CARE | — | $3K | $3K | 1.00% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE SUITE 2 AUGUSTA, ME 04330 | HARVARD PILGRIM HEALTH CARE | $3K | — | $3K | 3.10% |
| CROSS INSURANCE3 | P.O. BOX 133 BANGOR, ME 04402 | HARVARD PILGRIM HEALTH CARE | — | $1K | $1K | 0.98% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES, LLC | 1933 STATE ROUTE 35 SUITE 368 WALL TOWNSHIP, NJ 07719 | AMERITAS LIFE INSURANCE CORP | $5K | — | $5K | 5.00% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE AUGUSTA, ME 04330 | AMERITAS LIFE INSURANCE CORP | $3K | — | $3K | 3.28% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE SUITE 2 AUGUSTA, ME 04330 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $824 | $6K | 6.34% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES, LLC | 1933 STATE ROUTE 35 SUITE 368 WALL TOWNSHIP, NJ 07719 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 2.50% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE SUITE 2 AUGUSTA, ME 04330 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $332 | $5K | 13.89% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES, LLC | 1933 STATE ROUTE 35 SUITE 368 WALL TOWNSHIP, NJ 07719 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $936 | $936 | 2.50% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE SUITE 2 AUGUSTA, ME 04330 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $318 | $5K | 13.93% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES, LLC | 1933 STATE ROUTE 35 SUITE 368 WALL TOWNSHIP, NJ 07719 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $853 | $853 | 2.50% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE SUITE 2 AUGUSTA, ME 04330 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $189 | $2K | 10.91% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES, LLC | 1933 STATE ROUTE 35 SUITE 368 WALL TOWNSHIP, NJ 07719 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $520 | $520 | 2.50% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE SUITE 2 AUGUSTA, ME 04330 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $188 | $3K | 15.93% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES, LLC | 1933 STATE ROUTE 35 SUITE 368 WALL TOWNSHIP, NJ 07719 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $508 | $508 | 2.50% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE SUITE 2 AUGUSTA, ME 04330 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $96 | $2K | 15.96% |
| ADP INC5 Filed as: AUTOMATIC DATA PROCESSING, INC | P.O. BOX 842875 BOSTON, MA 02284 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 10.53% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES, LLC | 1933 STATE ROUTE 35 SUITE 368 WALL TOWNSHIP, NJ 07719 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $249 | $249 | 2.50% |
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 | 257 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 259 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts) | HARVARD PILGRIM HEALTH CARE | 106 | $1.5M |
| Dental | AMERITAS LIFE INSURANCE CORP | 363 | $96K |
| Vision | AMERITAS LIFE INSURANCE CORP | 363 | $96K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 257 | $55K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 257 | $93K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 80 | $37K |
| Other(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 257 | $85K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 363 | — |
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.