| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DR STE 2 AUGUSTA, ME 04332 | DELTA DENTAL PLAN OF MAINE | $2K | — | $2K | 4.13% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES, LLC DBA CSONE BE | PO BOX 1320 CONCORD, NH 03302 | DELTA DENTAL PLAN OF MAINE | $666 | — | $666 | 1.17% |
| HEALEY & ASSOCIATES3 Filed as: HEALEY & ASSOCIATES, INC. | PO BOX 599 10 FREE STREET PORTLAND, ME 04112 | DELTA DENTAL PLAN OF MAINE | $567 | — | $567 | 1.00% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DR STE 2 AUGUSTA, ME 04332 | RED TREE INSURANCE COMPANY, INC | $883 | — | $883 | 9.20% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES, LLC DBA CSONE BE | PO BOX 1320 CONCORD, NH 03302 | RED TREE INSURANCE COMPANY, INC | $145 | — | $145 | 1.51% |
| HEALEY & ASSOCIATES3 Filed as: HEALEY & ASSOCIATES, INC. | PO BOX 599 10 FREE STREET PORTLAND, ME 04112 | RED TREE INSURANCE COMPANY, INC | $81 | — | $81 | 0.84% |
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 | 152 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 152 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL PLAN OF MAINE | 206 | $57K |
| Vision | RED TREE INSURANCE COMPANY, INC | 196 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 206 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.