| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROSS INSURANCE3 Filed as: CROSS INSURANCE MANCHESTER | 1100 ELM STREET MANCHESTER, NH 03101 | HPHC JOINT VENTURE UHG | $126K | — | $126K | 1.15% |
| CROSS INSURANCE3 Filed as: CROSS INSURANCE BANGOR | PO BOX 133 BANGOR, ME 04402 | HPHC JOINT VENTURE UHG | $105K | — | $105K | 0.96% |
| CROSS INSURANCE3 Filed as: CROSS INSURANCE MANCHESTER | 1100 ELM STREET MANCHESTER, NH 03101 | HPHC JOINT VENTURE UHG | $22K | — | $22K | 1.18% |
| CROSS INSURANCE3 Filed as: CROSS INSURANCE BANGOR | PO BOX 133 BANGOR, ME 04402 | HPHC JOINT VENTURE UHG | $18K | — | $18K | 0.98% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DR STE 2 AUGUSTA, ME 04330 | METROPOLITAN LIFE INSURANCE COMPANY | $79K | — | $79K | 6.90% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DR STE 2 AUGUSTA, ME 04330 | METROPOLITAN LIFE INSURANCE COMPANY | $23K | — | $23K | 5.29% |
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 | 2,233 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,239 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | HPHC JOINT VENTURE UHG | 1,585 | $12.9M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 2,233 | $1.1M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 2,233 | $1.1M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 2,233 | $1.1M |
| Long-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 2,233 | $1.6M |
| Other(3 contracts, 2 carriers) | HPHC JOINT VENTURE UHG | 2,233 | $14.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,233 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.