| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROSS INSURANCE3 | 491 MAIN STREET BANGOR, ME 04401 | HPHC JOINT VENTURE UHG | $105K | — | $105K | 2.05% |
| CROSS INSURANCE3 | 491 MAIN STREET BANGOR, ME 04401 | HPHC JOINT VENTURE UHG | $79K | — | $79K | 1.99% |
| CROSS INSURANCE3 | 491 MAIN STREET BANGOR, ME 04401 | HPHC JOINT VENTURE UHG | $75K | — | $75K | 2.00% |
| CROSS INSURANCE3 | 491 MAIN STREET BANGOR, ME 04401 | DELTA DENTAL PLAN OF MAINE | $32K | — | $32K | 3.69% |
| CROSS INSURANCE3 | 491 MAIN STREET BANGOR, ME 04401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $18K | $12K | $30K | 4.54% |
| PLANSOURCE BENEFIT ADMINISTRATION3 Filed as: PLANSOURCE BENEFIT ADMINISTRAT | PO BOX 1313 ORLANDO, FL 32802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 0.93% |
| CROSS INSURANCE3 | 491 MAIN STREET BANGOR, ME 04401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $57K | $8K | $65K | 14.61% |
| PLANSOURCE BENEFIT ADMINISTRATION3 Filed as: PLANSOURCE BENEFIT ADMINISTRAT | PO BOX 1313 ORLANDO, FL 32802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 0.86% |
| CROSS INSURANCE3 | 491 MAIN STREET BANGOR, ME 04401 | RED TREE INSURANCE COMPANY, INC. | $8K | — | $8K | 9.95% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES LLC DBA CSONE BEN | PO BOX 1320 CONCORD, NH 03302 | RED TREE INSURANCE COMPANY, INC. | $1K | — | $1K | 1.49% |
| CROSS INSURANCE3 | 491 MAIN STREET BANGOR, ME 04401 | UNUM INSURANCE COMPANY | $14K | $2K | $17K | 21.43% |
| CROSS INSURANCE3 | 491 MAIN STREET BANGOR, ME 04401 | UNUM INSURANCE COMPANY | $9K | $2K | $10K | 13.96% |
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 | 1,093 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,093 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | HPHC JOINT VENTURE UHG | 765 | $12.9M |
| Dental | DELTA DENTAL PLAN OF MAINE | 1,698 | $881K |
| Vision | RED TREE INSURANCE COMPANY, INC. | 1,295 | $81K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,496 | $1.1M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,496 | $657K |
| Other(2 contracts) | UNUM INSURANCE COMPANY | 245 | $152K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,698 | — |
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.