| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROSS BENEFIT SOLUTIONS3 Filed as: CROSS BENEFITS SOLUTIONS | 116 COMMUNITY DR STE 2, PO BOX 469 AUGUSTA, ME 043320469 | DELTA DENTAL PLAN OF MAINE | $35K | — | $35K | 1.66% |
| HOLDEN AGENCY3 Filed as: THE HOLDEN AGENCY | 1085 BRIGHTON AVE, PO BOX 10610 PORTLAND, ME 04104 | DELTA DENTAL PLAN OF MAINE | $2K | — | $2K | 0.10% |
| BUSINESS INSURANCE AGENCY3 Filed as: BUSINESS INSURANCE AGENCY, INC. | P.O. BOX 469 AUGUSTA, ME 04332 | HARTFORD LIFE AND ACCIDENT | $26K | — | $26K | 3.00% |
| BUSINESS INSURANCE AGENCY3 Filed as: BUSINESS INSURANCE AGENCY, INC. | P.O. BOX 469 AUGUSTA, ME 04332 | HARTFORD LIFE AND ACCIDENT | $16K | — | $16K | 3.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CROSS BENEFITS SOLUTIONS EIN 01-0508976 NONE | Insurance agents and brokers; Contract Administrator Service code 13 | 2367 CONGRESS STEET PORTLAND, ME 04102 | $71K |
| RUNYON KERSTEEN OUELLETTE EIN 01-0440155 NONE | Accounting (including auditing) Service code 10 | 20 LONG CREEK DRIVE SOUTH PORTLAND, ME 04106 | $13K |
| KEYBANK NATIONAL ASSOCIATION EIN 34-6514544 NONE | Custodial (securities) Service code 19 | PO BOX 5937 CLEVELAND, OH 44101 | $6K |
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 | 3,091 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 3,091 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL PLAN OF MAINE | 6,236 | $2.1M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 2,689 | $851K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,444 | $522K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,236 | — |
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.