| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROSS BENEFIT SOLUTIONS | 116 COMMUNITY DRIVE AUGUSTA, ME 04330 | AETNA LIFE INSURANCE COMPANY | $100K | $11K | $111K | 2.21% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE AUGUSTA, ME 043320469 | DELTA DENTAL PLAN OF MAINE | $13K | — | $13K | 3.09% |
| BUSINESS INS. AGENCY INC DBA CROSS3 Filed as: BUSINESS INSURANCE AGENCY INC DBA C | 116 COMMUNITY DRIVE AUGUSTA, ME 04330 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 4.65% |
| BUSINESS INS. AGENCY INC DBA CROSS3 Filed as: BUSINESS INSURANCE AGENCY INC DBA C | 116 COMMUNITY DRIVE AUGUSTA, ME 04330 | RELIANCE STANDARD LIFE INSURANCE CO | $12K | — | $12K | 15.00% |
| CROSS BENEFIT SOLUTIONS | 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 | 12647 ALCOSTA BLVD STE 330 SAN RAMON, CA 94583 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 10.00% |
| BUSINESS INS. AGENCY INC DBA CROSS3 Filed as: BUSINESS INSURANCE AGENCY INC DBA C | 116 COMMUNITY DRIVE AUGUSTA, ME 04330 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 5.79% |
| CROSS BENEFIT SOLUTIONS | PO BOX 1388 BANGOR, ME 04401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $381 | — | $381 | 3.60% |
| USI INSURANCE SERVICES LLC | 75 JOHN ROBERTS RD BLDG C SOUTH PORTLAND, ME 04106 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $67 | — | $67 | 0.63% |
| CROSS INSURANCE | 491 MAIN ST PO BOX 1388 BANGOR, ME 04401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $12 | $12 | 0.11% |
| BUSINESS INS. AGENCY INC DBA CROSS3 Filed as: BUSINESS INSURANCE AGENCY INC DBA C | 116 COMMUNITY DRIVE AUGUSTA, ME 04330 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
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 | 492 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 494 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 818 | $5.0M |
| Dental | DELTA DENTAL PLAN OF MAINE | 896 | $422K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 884 | $42K |
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE CO | 492 | $131K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 492 | $110K |
| Other(5 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE CO | 710 | $220K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 896 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.