| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE SUITE 2 AUGUSTA, ME 04330 | HARVARD PILGRIM HEALTH CARE | $20K | — | $20K | 1.85% |
| CROSS INSURANCE3 | 491 MAIN STREET PO BOX 1388 BANGOR, ME 04401 | HARVARD PILGRIM HEALTH CARE | — | $4K | $4K | 0.40% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE SUITE 2 AUGUSTA, ME 04330 | HARVARD PILGRIM HEALTH CARE | $9K | — | $9K | 1.86% |
| CROSS INSURANCE3 | 491 MAIN STREET PO BOX 1388 BANGOR, ME 04401 | HARVARD PILGRIM HEALTH CARE | — | $2K | $2K | 0.40% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE SUITE 2 AUGUSTA, ME 04330 | HARVARD PILGRIM HEALTH CARE | $6K | — | $6K | 1.81% |
| CROSS INSURANCE3 | 491 MAIN STREET PO. BOX 1388 BANGOR, ME 04401 | HARVARD PILGRIM HEALTH CARE | — | $1K | $1K | 0.39% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE SUITE 2 AUGUSTA, ME 04330 | HARVARD PILGRIM HEALTH CARE | $3K | — | $3K | 1.79% |
| CROSS INSURANCE3 | 491 MAIN STREET P.O. BOX 1388 BANGOR, ME 04401 | HARVARD PILGRIM HEALTH CARE | — | $709 | $709 | 0.39% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE SUITE 2 AUGUSTA, ME 04330 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $2K | $8K | 7.65% |
| 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 | — | $3K | $3K | 2.50% |
| 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 | 3.17% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE SUITE 2 AUGUSTA, ME 04330 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $1K | $6K | 15.62% |
| 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 | — | $971 | $971 | 2.50% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE SUITE 2 AUGUSTA, ME 04330 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $923 | $5K | 15.69% |
| 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 | — | $858 | $858 | 2.50% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE SUITE 2 AUGUSTA, ME 04330 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $581 | $4K | 17.54% |
| 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 | — | $572 | $572 | 2.50% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE SUITE 2 AUGUSTA, ME 04330 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $552 | $3K | 12.48% |
| 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 | — | $556 | $556 | 2.50% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE SUITE 2 AUGUSTA, ME 04330 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $256 | $2K | 17.54% |
| 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 | — | $252 | $252 | 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 | 321 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 322 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts) | HARVARD PILGRIM HEALTH CARE | 137 | $2.1M |
| Dental | AMERITAS LIFE INSURANCE CORP | 444 | $101K |
| Vision | AMERITAS LIFE INSURANCE CORP | 444 | $101K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 313 | $57K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 313 | $101K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 85 | $39K |
| Other(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 313 | $90K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 444 | — |
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.