| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROSS INSURANCE3 | 491 MAIN STREET BANGOR, ME 04401 | HPHC INSURANCE COMPANY | $109K | — | $109K | 1.95% |
| CROSS INSURANCE3 | 491 MAIN STREET BANGOR, ME 04401 | DELTA DENTAL PLAN OF MAINE | $26K | — | $26K | 4.33% |
| CROSS INSURANCE3 | 491 MAIN STREET BANGOR, ME 04401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $6K | $16K | 5.26% |
| CROSS INSURANCE3 | 491 MAIN STREET BANGOR, ME 04401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $32K | $4K | $37K | 17.11% |
| CROSS INSURANCE3 | 491 MAIN STREET BANGOR, ME 04401 | RED TREE INSURANCE COMPANY, INC. | $5K | — | $5K | 9.89% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES LLC DBA CSONE BEN | PO BOX 1320 CONCORD, NH 03302 | RED TREE INSURANCE COMPANY, INC. | $802 | — | $802 | 1.48% |
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 | 745 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 745 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HPHC INSURANCE COMPANY | 793 | $5.6M |
| Dental | DELTA DENTAL PLAN OF MAINE | 1,178 | $594K |
| Vision | RED TREE INSURANCE COMPANY, INC. | 821 | $54K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,033 | $528K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,033 | $314K |
| Prescription drug | HPHC INSURANCE COMPANY | 793 | $5.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,178 | — |
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.