| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BUSINESS INSURANCE AGENCY3 Filed as: BUSINESS INSURANCE AGENCY, INC | P.O. BOX 469 AUGUSTA, ME 04330 | AETNA LIFE INSURANCE COMPANY | $57K | $7K | $65K | 2.94% |
| CROSS BENEFIT SOLUTIONS3 | P.O. BOX 469 AUGUSTA, ME 04332 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | — | $12K | 7.44% |
| LIAZON BENEFITS INC5 | 199 SCOTT ST FL 8 BUFFALO, NY 14204 | METROPOLITAN LIFE INSURANCE COMPANY | — | $8K | $8K | 5.00% |
| CROSS BENEFIT SOLUTIONS3 | P.O. BOX 469 AUGUSTA, ME 04332 | DELTA DENTAL PLAN OF MAINE | $5K | — | $5K | 3.65% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES, LLC | P.O. BOX 1320 CONCORD, NH 03302 | DELTA DENTAL PLAN OF MAINE | $1K | — | $1K | 0.93% |
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 | 219 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 219 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 320 | $2.2M |
| Dental | DELTA DENTAL PLAN OF MAINE | 306 | $138K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 343 | $159K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 343 | $159K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 343 | $159K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 343 | $159K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 343 | $159K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 343 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.