| 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 04332 | DELTA DENTAL PLAN OF MAINE | $46K | — | $46K | 1.69% |
| CROSS BENEFIT SOLUTIONS3 | P.O. BOX 1388 BANGOR, ME 04402 | HARTFORD LIFE AND ACCIDENT | $32K | $3K | $35K | 3.25% |
| CROSS BENEFIT SOLUTIONS3 | PO BOX 1388 BANGOR, ME 04402 | HARTFORD LIFE AND ACCIDENT | $22K | $2K | $24K | 3.26% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CROSS BENEFITS SOLUTIONS EIN 01-0508976 NONE | Contract Administrator; Insurance agents and brokers; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 13 | 2367 CONGRESS STREET PORTLAND, ME 04102 | $225K |
| RUNYON KERSTEEN OUELLETTE EIN 01-0440155 NONE | Accounting (including auditing) Service code 10 | 20 LONG CREEK DRIVE SOUTH PORTLAND, ME 04106 | $14K |
| KEYBANK NATIONAL ASSOCIATION EIN 34-6514544 NONE | Custodial (securities) Service code 19 | PO BOX 5937 CLEVELAND, OH 44101 | $7K |
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 | 4,311 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,311 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL PLAN OF MAINE | 6,910 | $2.7M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 3,290 | $1.1M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,980 | $744K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,910 | — |
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.