| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROSS BENEFIT SOLUTIONS3 | PO BOX 1388 BANGOR, ME 04402 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG. INC | $29K | $0 | $29K | 2.17% |
| CROSS INSURANCE3 | 401 EDGEWATER PLACE, SUITE 100 WAKEFIELD, MA 01880 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG. INC | $0 | $1K | $1K | 0.10% |
| CROSS BENEFIT SOLUTIONS3 | PO BOX 1388 BANGOR, ME 04402 | DELTA DENTAL OF MASSACHUSETTS | $3K | $0 | $3K | 4.46% |
| CROSS BENEFIT SOLUTIONS3 | PO BOX 1388 BANGOR, ME 04402 | TUFTS INSURANCE COMPANY | $594 | $0 | $594 | 1.08% |
| CROSS INSURANCE3 | 401 EDGEWATER PLACE, SUITE 100 WAKEFIELD, MA 01880 | TUFTS INSURANCE COMPANY | $0 | $71 | $71 | 0.13% |
| CROSS BENEFIT SOLUTIONS3 Filed as: CROSS BENEFITS SOLUTIONS | PO BOX 469 AUGUSTA, ME 04332 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 5.89% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND LLC | 475 SCHOOL STREET, SUITE 5 MARSHFIELD, MA 02050 | STANDARD INSURANCE COMPANY | $4 | $0 | $4 | 0.01% |
| SAPERS & WALLACK3 Filed as: SAPERS & WALLACK INS. AGENCY INC | 275 WASHINGTON STREET, SUITE 110 NEWTON, MA 02458 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $325 | $0 | $325 | 3.70% |
| CROSS BENEFIT SOLUTIONS3 | PO BOX 1388 BANGOR, ME 04402 | RELIANCE STANDARD LIFE INSURANCE | $862 | $0 | $862 | 15.00% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND LLC | 931 JEFFERSON BOULEVARD, SUITE 3001 WARWICK, RI 02886 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | $351 | $0 | $351 | 9.17% |
| CROSS BENEFIT SOLUTIONS3 | PO BOX 469 AUGUSTA, ME 04332 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $35 | $0 | $35 | 1.44% |
| SAPERS & WALLACK3 Filed as: SAPERS & WALLACK INS. AGENCY INC | 275 WASHINGTON STREET, SUITE 110 NEWTON, MA 02458 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2 | $0 | $2 | 0.08% |
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 | 97 | 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) | 97 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG. INC | 159 | $1.4M |
| Dental | DELTA DENTAL OF MASSACHUSETTS | 135 | $67K |
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | 58 | $4K |
| Life insurance | STANDARD INSURANCE COMPANY | 81 | $27K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 21 | $9K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE | 16 | $6K |
| Prescription drug(2 contracts, 2 carriers) | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG. INC | 159 | $1.4M |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 81 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 159 | — |
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.