| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 32 OLD SLIP, FLOOR 29 NEW YORK, NY 10005 | HARVARD PILGRIM HEALTH CARE | $17K | — | $17K | 0.98% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE SUITE 2 AUGUSTA, ME 04330 | HARVARD PILGRIM HEALTH CARE | $17K | — | $17K | 0.97% |
| CROSS INSURANCE3 | 491 MAIN STREET P.O. BOX 1388 BANGOR, ME 04401 | HARVARD PILGRIM HEALTH CARE | — | $6K | $6K | 0.36% |
| ALLIANT INSURANCE SERVICES, INC.3 | 32 OLD SLIP, FLOOR 29 NEW YORK, NY 10005 | HPHC INSURANCE COMPANY | $14K | — | $14K | 1.44% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE SUITE 2 AUGUSTA, ME 04330 | HPHC INSURANCE COMPANY | $9K | — | $9K | 0.97% |
| CROSS INSURANCE3 | 491 MAIN STREET P.O. BOX 1388 BANGOR, ME 04401 | HPHC INSURANCE COMPANY | — | $3K | $3K | 0.36% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | DELTA DENTAL PLAN OF MAINE | $5K | — | $5K | 1.71% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE AUGUSTA, ME 043320469 | DELTA DENTAL PLAN OF MAINE | $5K | — | $5K | 1.69% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE SUITE 2 AUGUSTA, ME 04330 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $5K | 7.46% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN AND ASSOCIATES LLC | 1933 STATE ROUTE 35 SUITE 368 WALL TOWNSHIP, NJ 07719 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 2.09% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, FLOOR 6 SAN DIEGO, CA 92101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 1.85% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE SUITE 2 AUGUSTA, ME 04330 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $772 | $3K | 6.31% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, FLOOR 6 SAN DIEGO, CA 92101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 2.79% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE SUITE 2 AUGUSTA, ME 04330 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $718 | $2K | 9.01% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, FLOOR 6 SAN DIEGO, CA 92101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 8.60% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN AND ASSOCIATES LLC | 1933 STATE ROUTE 35 SUITE 368 WALL TOWNSHIP, NJ 07719 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $587 | $587 | 2.13% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE SUITE 2 AUGUSTA, ME 04330 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $992 | $581 | $2K | 6.67% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, FLOOR 6 SAN DIEGO, CA 92101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 5.79% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN AND ASSOCIATES LLC | 1933 STATE ROUTE 35 SUITE 368 WALL TOWNSHIP, NJ 07719 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $496 | $496 | 2.10% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE AUGUSTA, ME 043320469 | RED TREE INSURANCE COMPANY, INC. | $821 | — | $821 | 4.96% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | RED TREE INSURANCE COMPANY, INC. | $818 | — | $818 | 4.95% |
| COMBINED SERVICES LLC3 | DBA CSONE BENEFIT SOLUTIONS PO BOX 1320 CONCORD, NH 033021320 | RED TREE INSURANCE COMPANY, INC. | $246 | — | $246 | 1.49% |
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 | 288 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 297 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HARVARD PILGRIM HEALTH CARE | 248 | $2.7M |
| Dental | DELTA DENTAL PLAN OF MAINE | 443 | $276K |
| Vision | RED TREE INSURANCE COMPANY, INC. | 290 | $17K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 299 | $51K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 68 | $53K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 299 | $68K |
| Other(3 contracts, 2 carriers) | HARVARD PILGRIM HEALTH CARE | 299 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 443 | — |
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.