| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DR. AUGUSTA, ME 04330 | CIGNA HEALTH & LIFE INSURANCE COMPANY | $18K | — | $18K | 14.14% |
| CROSS INSURANCE3 Filed as: CROSS INSURANCE, INC. - NH | 1100 ELM ST. MANCHESTER, NH 03101 | CIGNA HEALTH & LIFE INSURANCE COMPANY | $12K | — | $12K | 9.80% |
| CROSS BENEFIT SOLUTIONS3 | 62 WILDERNESS DR. MANCHESTER, ME 04332 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 8.09% |
| CROSS INSURANCE3 Filed as: CROSS INSURANCE, INC. - NH | 1100 ELM ST. MANCHESTER, NH 03101 | STANDARD INSURANCE COMPANY | $4K | $641 | $5K | 7.91% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES, LLC | 1933 STATE ROUTE 35 SUITE 368 WALL, NJ 07719 | STANDARD INSURANCE COMPANY | $3K | $246 | $3K | 5.06% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| NATIONAL HEALTH INSURANCE COMPANY EIN 74-1541799 NONE | Contract Administrator Service code 13 | P.O. BOX 619999 DALLAS, TX 75261 | $52K |
| CIGNA HEALTH & LIFE INSURANCE CO. EIN 59-1031071 NONE | Non-monetary compensation; Claims processing; Contract Administrator; Named fiduciary; Float revenue; Participant communication; Other services; Direct payment from the plan Service code 12 | 900 COTTAGE GROVE ROAD HARTFORD, CT 06152 | $26K |
| ALLSTATE BENEFITS NONE | Insurance services Service code 23 | 1515 NORTH RIVERCENTER DR. SUITE #135 MILWAUKEE, WI 53212 | $21K |
| CROSS BENEFIT SOLUTIONS NONE | Insurance agents and brokers Service code 22 | 116 COMMUNITY DR. AUGUSTA, ME 043308009 | $11K |
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 | 203 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 203 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH & LIFE INSURANCE COMPANY | 139 | $125K |
| Vision | CIGNA HEALTH & LIFE INSURANCE COMPANY | 139 | $125K |
| Life insurance | STANDARD INSURANCE COMPANY | 203 | $61K |
| Short-term disability | STANDARD INSURANCE COMPANY | 203 | $61K |
| Prescription drug | CIGNA HEALTH & LIFE INSURANCE COMPANY | 139 | $125K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 203 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.