| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROSS INSURANCE3 Filed as: CROSS INSURANCE INC | 1100 ELM STREET MANCHESTER, NH 03101 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | $0 | $11K | 11.45% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 980 WASHINGTON STREET, SUITE 325 DEDHAM, MA 02026 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $292 | $0 | $292 | 0.30% |
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP LLC | NCB-88 MINNEAPOLIS, ME 55480 | AETNA LIFE INSURANCE COMPANY | — | $11K | $11K | 12.87% |
| CROSS INSURANCE3 Filed as: CROSS INSURANCE INC | PO BOX 1388 BANGOR, ME 04402 | AETNA LIFE INSURANCE COMPANY | $0 | $4K | $4K | 4.62% |
| FAIA INC3 | 1100 ELM STREET MANCHESTER, NH 03101 | AETNA LIFE INSURANCE COMPANY | $0 | $371 | $371 | 0.43% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF GEORGIA, INC. | 900 NORTH POINT PARKWAY ALPAHRETTA, ME 30005 | AETNA LIFE INSURANCE COMPANY | $226 | — | $226 | 0.26% |
| CROSS INSURANCE3 Filed as: CROSS INSURANCE INC | 1100 ELM STREET MANCHESTER, NH 03101 | HARTFORD LIFE AND ACCIDENT | $3K | $0 | $3K | 15.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA, INC. | 100 RIALTO PLACE, SUITE 900 MELBOURNE, FL 32901 | HARTFORD LIFE AND ACCIDENT | $0 | $221 | $221 | 1.29% |
| CROSS INSURANCE3 Filed as: CROSS INSURANCE INC | 1100 ELM STREET MANCHESTER, NH 03101 | VISION SERVICE PLAN | $1K | $0 | $1K | 10.00% |
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 | 152 | 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) | 152 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE COMPANY | 294 | $85K |
| Vision | VISION SERVICE PLAN | 93 | $12K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 156 | $96K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 156 | $96K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 156 | $96K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 156 | $113K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 294 | — |
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.