| 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 | $42K | — | $42K | 1.42% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | DELTA DENTAL PLAN OF MAINE | $8K | — | $8K | 0.28% |
| CROSS BENEFIT SOLUTIONS3 | P.O. BOX 1388 BANGOR, ME 04402 | HARTFORD LIFE AND ACCIDENT | $29K | $5K | $34K | 3.24% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 4TH FLOOR SAN DIEGO, CA 92101 | HARTFORD LIFE AND ACCIDENT | $3K | — | $3K | 0.26% |
| CROSS BENEFIT SOLUTIONS3 | PO BOX 1388 BANGOR, ME 04402 | HARTFORD LIFE AND ACCIDENT | $21K | $4K | $25K | 3.22% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 4TH FLOOR SAN DIEGO, CA 92101 | HARTFORD LIFE AND ACCIDENT | $2K | — | $2K | 0.26% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC. EIN 33-0785439 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Insurance agents and brokers Service code 13 | 701 B STREET 4TH FLOOR SAN DIEGO, CA 92101 | $132K |
| CROSS BENEFITS SOLUTIONS EIN 01-0508976 NONE | Insurance agents and brokers; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 13 | 2367 CONGRESS STREET PORTLAND, ME 04102 | $65K |
| TRAVELERS CASUALTY AND SURETY CO EIN 06-0907370 NONE | Insurance agents and brokers; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator Service code 13 | ONE TOWER SQUARE, MN06 HARTFORD, CT 06183 | $18K |
| EATON PEABODY EIN 01-0373027 NONE | Legal Service code 29 | 100 MIDDLE STREET PORTLAND, ME 04101 | $16K |
| RUNYON KERSTEEN OUELLETTE EIN 01-0440155 NONE | Accounting (including auditing) Service code 10 | 20 LONG CREEK DRIVE SOUTH PORTLAND, ME 04106 | $15K |
| KEYBANK NATIONAL ASSOCIATION EIN 34-6514544 NONE | Custodial (securities) Service code 19 | PO BOX 5937 CLEVELAND, OH 44101 | $9K |
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 | 3,847 | 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) | 3,847 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL PLAN OF MAINE | 7,426 | $2.9M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 3,246 | $1.0M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 2,146 | $769K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,426 | — |
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.