| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROSS BENEFIT SOLUTIONS | PO BOX 469 AUGUSTA, ME 04330 | AETNA LIFE INSURANCE COMPANY | $44K | — | $44K | 1.25% |
| BUSINESS INSURANCE AGENCY Filed as: BUSINESS INSURANCE AGENCY INC | PO BOX 469 AUGUSTA, ME 04330 | AETNA LIFE INSURANCE COMPANY | $23K | — | $23K | 0.65% |
| CROSS BENEFIT SOLUTIONS | 116 COMMUNITY DR STE 2 AUGUSTA, MD 04330 | AETNA LIFE INSURANCE COMPANY | $12K | — | $12K | 0.35% |
| CROSS BENEFIT SOLUTIONS | PO BOX 469 AUGUSTA, ME 04330 | AETNA LIFE INSURANCE COMPANY | $46 | — | $46 | 0.00% |
| CROSS BENEFIT SOLUTIONS3 | PO BOX 469 AUGUSTA, ME 04330 | DELTA DENTAL PLAN OF MAINE | $12K | — | $12K | 3.07% |
| CROSS BENEFIT SOLUTIONS3 | PO BOX 469 AUGUSTA, ME 04330 | THE LINCOLN NATIONAL LIFE INSUANCE COMPANY | $5K | $4K | $9K | 8.93% |
| CROSS BENEFIT SOLUTIONS3 | PO BOX 469 AUGUSTA, ME 04330 | THE LINCOLN NATIONAL LIFE INSUANCE COMPANY | $11K | $3K | $14K | 18.88% |
| CROSS BENEFIT SOLUTIONS | 116 COMMUNITY DR STE 2 AUGUSTA, ME 04332 | UNUM LIFE INSUANCE COMPANY OF AMERICA | $7K | — | $7K | 10.00% |
| AGIS NETWORK INC | 2122 KRATKY RD ST LOUIS, MO 63114 | UNUM LIFE INSUANCE COMPANY OF AMERICA | $7K | — | $7K | 10.00% |
| BUSINESS INSURANCE AGENCY3 Filed as: BUSINESS INSURANCE AGENCY INC | PO BOX 469 AUGUSTA, ME 04330 | THE LINCOLN NATIONAL LIFE INSUANCE COMPANY | $3K | $2K | $5K | 9.55% |
| CROSS BENEFIT SOLUTIONS | PO BOX 13888 BANGOR, ME 04401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $998 | — | $998 | 8.77% |
| USI INSURANCE SERVICES LLC Filed as: USI INSURANCE SERVICES, LLC | 75 JOHN ROBERTS ROAD, BLDG C SOUTH PORTLAND, ME 04106 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $114 | — | $114 | 1.00% |
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 | 482 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 482 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 768 | $3.5M |
| Dental | DELTA DENTAL PLAN OF MAINE | 850 | $404K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSUANCE COMPANY | 482 | $50K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSUANCE COMPANY | 482 | $96K |
| Other(4 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSUANCE COMPANY | 577 | $201K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 850 | — |
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.