| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROSS INSURANCE3 | 491 MAIN STREET BANGOR, ME 04401 | HPHC JOINT VENTURE UHG | $106K | — | $106K | 2.56% |
| CROSS INSURANCE3 | 491 MAIN STREET BANGOR, ME 04401 | HPHC JOINT VENTURE UHG | $82K | — | $82K | 2.45% |
| CROSS INSURANCE3 | 491 MAIN STREET BANGOR, ME 04401 | HPHC JOINT VENTURE UHG | $71K | — | $71K | 2.46% |
| CROSS INSURANCE3 | 491 MAIN STREET BANGOR, ME 04401 | DELTA DENTAL PLAN OF MAINE | $32K | — | $32K | 3.94% |
| CROSS INSURANCE3 | 491 MAIN STREET BANGOR, ME 04401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $10K | $18K | 3.61% |
| PLANSOURCE BENEFIT ADMINISTRATION3 Filed as: PLANSOURCE BENEFIT ADMINISTRAT | PO BOX 1313 ORLANDO, FL 32802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 1.00% |
| CROSS INSURANCE3 | 491 MAIN STREET BANGOR, ME 04401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $51K | $7K | $57K | 18.62% |
| PLANSOURCE BENEFIT ADMINISTRATION3 Filed as: PLANSOURCE BENEFIT ADINISTRAT | PO BOX 1313 ORLANDO, FL 32802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 1.10% |
| CROSS INSURANCE3 | 491 MAIN STREET BANGOR, ME 04401 | RED TREE INSURANCE COMPANY, INC. | $8K | — | $8K | 9.81% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES LLC DBA CSONE BEN | PO BOX 1320 CONCORD, NH 03302 | RED TREE INSURANCE COMPANY, INC. | $1K | — | $1K | 1.47% |
| CROSS INSURANCE3 | 491 MAIN STREET BANGOR, ME 04401 | UNUM INSURANCE COMPANY | $3K | $626 | $4K | 12.75% |
| CROSS INSURANCE3 | 491 MAIN STREET BANGOR, ME 04401 | UNUM INSURANCE COMPANY | $5K | $1K | $6K | 25.00% |
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 | 1,031 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,031 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | HPHC JOINT VENTURE UHG | 736 | $10.4M |
| Dental | DELTA DENTAL PLAN OF MAINE | 1,599 | $824K |
| Vision | RED TREE INSURANCE COMPANY, INC. | 1,213 | $79K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,425 | $796K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,425 | $488K |
| Other(2 contracts) | UNUM INSURANCE COMPANY | 210 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,599 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.