| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROSS INSURANCE3 Filed as: CROSS INSURANCE, INC.-NEW HAMPSHIRE | 491 MAIN STREET PO BOX 1388 BANGOR, ME 04402 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $7K | $70K | $77K | 2.57% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY, SE SUITE 1950 ATLANTA, GA 30339 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | $14K | $15K | 0.50% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY, SE SUITE 1950 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $9K | $12K | 7.97% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD FLOOR 2 HAUPPAIGE, NY 11788 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $6K | $6K | 4.11% |
| CROSS INSURANCE3 Filed as: CROSS INSURANCE INC | 1100 ELM STREET MANCHESTER, NH 03101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 3.25% |
| CROSS INSURANCE3 Filed as: CROSS INSURANCE, INC.-NEW HAMPSHIRE | 491 MAIN STREET PO BOX 1388 BANGOR, ME 04402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 1.96% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY, SE SUITE 1950 ATLANTA, GA 30339 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $3K | $0 | $3K | 13.30% |
| ACADIA BENEFITS INC3 | 111 COMMERCIAL STREET PORTLAND, ME 04101 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $592 | $0 | $592 | 9.90% |
| AFFORDABLE BENEFITS SOLUTIONS INC3 | 401 CUMBERLAND AVENUE PORTLAND, ME 04101 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $113 | $0 | $113 | 1.89% |
| EMPLOYEE BENEFIT CONSULTANTS3 | UNKNOWN PORTLAND, ME 04101 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $70 | $0 | $70 | 1.17% |
| ROBERT T WALKER3 | 10 RED BARN CIRCLE SCARBOROUGH, ME 04074 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $57 | $0 | $57 | 0.95% |
| ALLISION WALKER3 | 10 RED BARN CIRCLE SCARBOROUGH, ME 04074 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $18 | $0 | $18 | 0.30% |
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 | 251 | 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) | 251 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 312 | $3.0M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 312 | $3.0M |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 327 | $20K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 251 | $147K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 251 | $147K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 251 | $147K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 312 | $3.0M |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 251 | $153K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 327 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.