| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE AUGUSTA, ME 04330 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | — | $0 | 0.00% |
| CROSS BENEFIT SOLUTIONS3 | 1233 SHELBURNE ROAD, SUITE C-2A SOUTH BURLINGTON, VT 05403 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WAYNE MAURER EIN 02-0181885 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | PO BOX 120 ROCHESTER, NH 03866 | $117K |
| KELLY O'NEIL EIN 02-0181885 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | PO BOX 120 ROCHESTER, NH 03866 | $76K |
| MELISSA POTTER EIN 02-0181885 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | PO BOX 120 ROCHESTER, NH 03866 | $73K |
| JENNIFER COELHO EIN 02-0181885 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | PO BOX 120 ROCHESTER, NH 03866 | $69K |
| LISA BADO EIN 02-0181885 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | PO BOX 120 ROCHESTER, NH 03866 | $66K |
| MANZI & ASSOCIATES LLC EIN 04-3508036 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | 855 TURNPIKE STREET NORTH ANDOVER, MA 01845 | $23K |
| DAYSTAR COMPUTER SERVICES, INC EIN 02-0510021 NONE | Other services; Direct payment from the plan Service code 49 | — | $17K |
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 | 57,423 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 739 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 58,162 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 59,555 | $95K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 59,555 | — |
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.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.