| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROSS INSURANCE3 Filed as: CROSS INSURANCE, INC. | PO BOX 1388 BANGOR, ME 04402 | AETNA LIFE INSURANCE CO. | $54K | $0 | $54K | 0.75% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE AUGUSTA, ME 04330 | AETNA LIFE INSURANCE CO. | $40K | — | $40K | 0.56% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE AUGUSTA, ME 04332 | DELTA DENTAL PLAN OF MAINE | $11K | — | $11K | 2.31% |
| CROSS INSURANCE3 | 491 MAIN STREET BANGOR, ME 04401 | DELTA DENTAL PLAN OF MAINE | $4K | — | $4K | 0.77% |
| CROSS INSURANCE3 Filed as: CROSS INSURANCE, INC. | PO BOX 1388 BANGOR, ME 04402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $44K | $0 | $44K | 10.75% |
| AGIS NETWORK INSURANCE SERVICE3 | 1 BEACON STREET, SUITE 17100 BOSTON, MA 02108 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $0 | $7K | 9.97% |
| CROSS INSURANCE3 | 491 MAIN STREET BANGORR, ME 04401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $0 | $7K | 9.97% |
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 | 499 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 507 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 776 | $7.1M |
| Dental | DELTA DENTAL PLAN OF MAINE | 889 | $469K |
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | 892 | $42K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 499 | $410K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 499 | $410K |
| Prescription drug | AETNA LIFE INSURANCE CO. | 776 | $7.1M |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 789 | $482K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 892 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.