| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WOODROW W CROSS AGENCY3 | 491 MAIN STREET BANGOR, ME 04401 | MONY LIFE INSURANCE COMPANY OF AMERICA | $22K | $0 | $22K | 11.27% |
| WOODROW W CROSS AGENCY3 | 491 MAIN STREET BANGOR, ME 04401 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $24K | $0 | $24K | 14.60% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM HEALTH PLANS OF MAINE, INC. EIN 31-1705652 CLAIM ADMINISTRATION | Contract Administrator; Other fees; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Other services Service code 12 | — | $215K |
| AMERITAS LIFE INSURANCE CORP EIN 47-0098400 CLAIM ADMINISTRATION | Claims processing Service code 12 | PO BOX 81889 LINCOLN, ME 68501 | $13K |
| WOODROW CROSS AGENCY EIN 01-0378159 CLAIM ADMINISTRATION | Insurance agents and brokers; Other commissions; Insurance brokerage commissions and fees 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 | 403 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 403 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | MONY LIFE INSURANCE COMPANY OF AMERICA | 403 | $358K |
| Short-term disability(2 contracts, 2 carriers) | MONY LIFE INSURANCE COMPANY OF AMERICA | 403 | $358K |
| Long-term disability(2 contracts, 2 carriers) | MONY LIFE INSURANCE COMPANY OF AMERICA | 403 | $358K |
| Stop-loss / reinsurancereinsurance | ANTHEM HEALTH PLANS OF MAINE, INC. | 277 | $550K |
| Other | AMERICAN GENERAL LIFE INSURANCE COMPANY | 381 | $162K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 403 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.