| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROSS INSURANCE3 Filed as: CROSS INSURANCE INC. | 401 EDGEWATER PLACE, SUITE 220 WAKEFIELD, MA 01880 | HARVARD PILGRIM HEALTH CARE OF NE INC - MA | $33K | $0 | $33K | 3.10% |
| ASCENSION INSURANCE AGENCY3 | 5821 FAIRVIEW ROAD, SUITE 500 CHARLOTTE, NC 28209 | HARVARD PILGRIM HEALTH CARE OF NE INC - MA | -$54 | $0 | -$54 | -0.01% |
| CROSS INSURANCE3 Filed as: CROSS INSURANCE INC. | 401 EDGEWATER PLACE, SUITE 220 WAKEFIELD, MA 01880 | HPHC INSURANCE COMPANY | $4K | $0 | $4K | 3.21% |
| ASCENSION INSURANCE AGENCY3 | 5821 FAIRVIEW ROAD, SUITE 500 CHARLOTTE, NC 28209 | HPHC INSURANCE COMPANY | -$7 | $0 | -$7 | -0.01% |
| CROSS BENEFIT SOLUTIONS3 | PO BOX 469 AUGUSTA, ME 04332 | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | $2K | $0 | $2K | 4.19% |
| COMBINED SERVICES LLC3 | PO BOX 1320 CONCORD, NH 03302 | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | $463 | $0 | $463 | 0.82% |
| CROSS INSURANCE3 | 401 EDGEWATER PLACE, SUITE 220 WAKEFIELD, MA 01880 | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | $438 | $0 | $438 | 0.78% |
| CROSS INSURANCE3 | PO BOX 1388 BANGOR, ME 04402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $0 | $5K | 10.87% |
| ASCENSION INSURANCE AGENCY3 | 5821 FAIRVIEW ROAD, SUITE 500 CHARLOTTE, NC 28209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8 | $0 | $8 | 0.02% |
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 | 126 | 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) | 126 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HARVARD PILGRIM HEALTH CARE OF NE INC - MA | 117 | $1.2M |
| Dental | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | 104 | $56K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 126 | $42K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 126 | $42K |
| Prescription drug(2 contracts, 2 carriers) | HARVARD PILGRIM HEALTH CARE OF NE INC - MA | 117 | $1.2M |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 126 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 126 | — |
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.