| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WOODROW W CROSS AGENCY3 | 491 MAIN ST BANGOR, ME 04401 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $41K | $0 | $41K | 12.76% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM HEALTH PLANS OF MAINE, INC EIN 31-1705652 CLAIM ADMINISTRATION | Other services; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other fees; Claims processing; Contract Administrator Service code 12 | — | $195K |
| AMERITAS LIFE INSURANCE CORP EIN 47-0098400 CLAIM ADMINISTRATION | Claims processing Service code 12 | PO BOX 81889 LINCOLN, NE 68501 | $13K |
| WOODROW W CROSS AGENCY EIN 01-0378159 CLAIM ADMINISTRATION | Insurance brokerage commissions and fees; Other commissions; Insurance agents and brokers Service code 22 | 74 GILMAN RD BANGOR, ME 04401 | $0 |
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 | 401 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 401 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | AMERICAN GENERAL LIFE INSURANCE COMPANY | 401 | $321K |
| Short-term disability | AMERICAN GENERAL LIFE INSURANCE COMPANY | 401 | $321K |
| Long-term disability | AMERICAN GENERAL LIFE INSURANCE COMPANY | 401 | $321K |
| Stop-loss / reinsurancereinsurance | ANTHEM HEALTH PLANS OF MAINE, INC | 258 | $402K |
| Other | AMERICAN GENERAL LIFE INSURANCE COMPANY | 401 | $321K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 401 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.