| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROSS BENEFIT SOLUTIONS3 Filed as: CROSS FINANCIAL INSURANCE | 74 GILMAN ROAD BANGOR, ME 04401 | HARVARD PILGRIM HEALTHCARE | $26K | $44K | $70K | 3.56% |
| CROSS BENEFIT SOLUTIONS3 Filed as: CROSS FINANCIAL INSURANCE | 74 GILMAN ROAD BANGOR, ME 04401 | HARVARD PILGRIM HEALTHCARE | $15K | $25K | $39K | 3.59% |
| CROSS BENEFIT SOLUTIONS3 Filed as: CROSS FINANCIAL INSURANCE | 74 GILMAN ROAD BANGOR, ME 04401 | HARVARD PILGRIM HEALTHCARE | $11K | $19K | $30K | 3.51% |
| WOODROW W CROSS AGENCY3 | PO BOX 1388 BANGOR, ME 04402 | ANTHEM LIFE INSURANCE COMPANY | $25K | $0 | $25K | 13.76% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE SUITE 2 AUGUSTA, ME 04330 | ANTHEM LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.25% |
| CROSS BENEFIT SOLUTIONS3 Filed as: CROSS FINANCIAL INSURANCE | 74 GILMAN ROAD BANGOR, ME 04401 | HARVARD PILGRIM HEALTHCARE | $226 | $386 | $612 | 3.20% |
| CROSS BENEFIT SOLUTIONS3 Filed as: CROSS FINANCIAL INSURANCE | 74 GILMAN ROAD BANGOR, ME 04401 | HARVARD PILGRIM HEALTHCARE | $207 | $354 | $561 | 3.49% |
| CROSS BENEFIT SOLUTIONS3 Filed as: CROSS FINANCIAL INSURANCE | 74 GILMAN ROAD BANGOR, ME 04401 | HARVARD PILGRIM HEALTHCARE | $90 | $155 | $245 | 2.65% |
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 | 511 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 511 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts) | HARVARD PILGRIM HEALTHCARE | 285 | $4.0M |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 511 | $183K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 511 | $183K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 511 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.