| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE AUGUSTA, ME 043320469 | HARVARD PILGRIM HEALTH CARE | $43K | — | $43K | 2.78% |
| CROSS BENEFIT SOLUTIONS3 Filed as: CROSS FINANCIAL INSURANCE | 116 COMMUNITY DRIVE AUGUSTA, ME 043320469 | HARVARD PILGRIM HEALTH CARE | $9K | — | $9K | 0.56% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND LLC | 299 BALLARDVALE STREET WILMINGTON, MA 01887 | HARVARD PILGRIM HEALTH CARE | $7K | — | $7K | 0.42% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE AUGUSTA, ME 043320469 | HPHC INSURANCE COMPANY | $17K | — | $17K | 2.80% |
| CROSS BENEFIT SOLUTIONS3 Filed as: CROSS FINANCIAL INSURANCE | 116 COMMUNITY DRIVE AUGUSTA, ME 043320469 | HPHC INSURANCE COMPANY | $3K | — | $3K | 0.57% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND | 299 BALLARDVALE STREET WILMINGTON, MA 01887 | HPHC INSURANCE COMPANY | $3K | — | $3K | 0.42% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE AUGUSTA, ME 043320469 | DELTA DENTAL PLAN OF MAINE | $9K | — | $9K | 3.59% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE, SUITE 2 P.O. BOX 469 AUGUSTA, ME 04330 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | $4K | $13K | 12.37% |
| HPHC INSURANCE AGENCY, INC.3 | 93 WORCESTER STREET WELLESLEY HILLS, MA 02481 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 6.00% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE AUGUSTA, ME 04330 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 15.00% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE AUGUSTA, ME 043320469 | RED TREE INSURANCE COMPANY, INC. | $1K | — | $1K | 9.79% |
| COMBINED SERVICES LLC3 | DBA CSONE BENEFIT SOLUTIONS PO BOX 1320 CONCORD, NH 033021320 | RED TREE INSURANCE COMPANY, INC. | $175 | — | $175 | 1.47% |
| CROSS BENEFIT SOLUTIONS | — | RED TREE INSURANCE COMPANY, INC. | — | — | $0 | 0.00% |
| SAWYER, RICHARD W3 Filed as: SAWYER, RICHARD, W | ONE UNIVERSITY PARK 25 SAWYER ROAD WALTHAM, MA 02154 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $41 | — | $41 | 5.66% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND | P.O. BOX 709 EAST LONGMEADOW, MA 01028 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.95% |
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 | 267 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 281 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HARVARD PILGRIM HEALTH CARE | 269 | $2.1M |
| Dental | DELTA DENTAL PLAN OF MAINE | 453 | $245K |
| Vision | RED TREE INSURANCE COMPANY, INC. | 227 | $12K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 281 | $108K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 281 | $108K |
| Long-term disability(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 281 | $109K |
| Other(3 contracts, 3 carriers) | HARVARD PILGRIM HEALTH CARE | 281 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 453 | — |
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.