| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROSS BENEFIT SOLUTIONS3 | PO BOX 469 AUGUSTA, ME 04330 | AETNA LIFE INSURANCE COMPANY | $73K | — | $73K | 2.84% |
| LIAZON BENEFITS INC3 | 199 SCOTT ST BUFFALO, NY 14204 | AETNA LIFE INSURANCE COMPANY | — | $7K | $7K | 0.28% |
| CROSS INSURANCE3 | 491 MAIN ST PO BOX 1388 BANGOR, ME 04401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $4K | $8K | 11.51% |
| LIAZON BENEFITS INC3 | 199 SCOTT ST STE 800 BUFFALO, NY 14204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 5.00% |
| CROSS INSURANCE3 | 491 MAIN ST PO BOX 1388 BANGOR, ME 04401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $1K | $6K | 20.73% |
| LIAZON BENEFITS INC3 | 199 SCOTT ST STE 800 BUFFALO, NY 14204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 5.00% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DR STE 2 AUGUSTA, ME 04330 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $3K | $6K | 31.62% |
| LIAZON BENEFITS INC4 | 199 SCOTT ST FL 8 BUFFALO, NY 14204 | METROPOLITAN LIFE INSURANCE COMPANY | — | $964 | $964 | 5.00% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DR STE 2 AUGUSTA, ME 04330 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $280 | $3K | 21.97% |
| LIAZON BENEFITS INC3 | 199 SCOTT ST BUFFALO, NY 14204 | METROPOLITAN LIFE INSURANCE COMPANY | — | $754 | $754 | 5.02% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DR STE 2 AUGUSTA, ME 043308009 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $241 | $3K | 22.17% |
| LIAZON BENEFITS INC3 | 199 SCOTT ST BUFFALO, NY 14204 | METROPOLITAN LIFE INSURANCE COMPANY | — | $660 | $660 | 5.08% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DR STE 2 AUGUSTA, ME 04330 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $223 | $3K | 21.91% |
| LIAZON BENEFITS INC3 | 199 SCOTT ST BUFFALO, NY 14204 | METROPOLITAN LIFE INSURANCE COMPANY | — | $639 | $639 | 5.04% |
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 | 229 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 229 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 299 | $2.6M |
| Dental | AETNA LIFE INSURANCE COMPANY | 299 | $2.6M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 138 | $19K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 221 | $92K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 221 | $92K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 138 | $19K |
| Other(6 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 221 | $160K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 299 | — |
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."
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.