| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE AUGUSTA, ME 04330 | AETNA LIFE INSURANCE COMPANY | $97K | $11K | $108K | 2.50% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE AUGUSTA, ME 04332 | DELTA DENTAL PLAN OF MAINE | $13K | — | $13K | 3.11% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE AUGUSTA, ME 04330 | SUN LIFE FINANCIAL | $23K | — | $23K | 9.07% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE AUGUSTA, ME 04330 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC Filed as: PACIFIC RESOURCES BENEFITS ADV. | STE. 330 12647 ALCOSTA BLVD. SAN RAMON, CA 94583 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 10.00% |
| CROSS BENEFIT SOLUTIONS3 | PO BOX 1388 BANGOR, ME 04401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $936 | — | $936 | 8.25% |
| USI INSURANCE SERVICES LLC | 75 JOHN ROBERTS ROAD BLDG C SOUTH PORTLAND, ME 04106 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $63 | — | $63 | 0.56% |
| CROSS INSURANCE3 | 491 MAIN ST PO BOX 1388 BANGOR, ME 04401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $39 | $39 | 0.34% |
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 | 507 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 507 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 794 | $4.3M |
| Dental | DELTA DENTAL PLAN OF MAINE | 873 | $412K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 861 | $41K |
| Life insurance | SUN LIFE FINANCIAL | 507 | $254K |
| Long-term disability | SUN LIFE FINANCIAL | 507 | $254K |
| Other(3 contracts, 2 carriers) | SUN LIFE FINANCIAL | 611 | $331K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 873 | — |
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.