| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DR STE 2 AUGUSTA, ME 04330 | HARVARD PILGRIM HEALTH CARE POS HSA 5000 | $18K | — | $18K | 2.47% |
| CROSS INSURANCE3 | PO BOX 133 BANGOR, ME 04402 | HARVARD PILGRIM HEALTH CARE POS HSA 5000 | — | $5K | $5K | 0.77% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE STE 2 AUGUSTA, ME 04330 | HARVARD PILGRIM HEALTH CARE POS HSA 3300 | $19K | — | $19K | 3.04% |
| CROSS INSURANCE3 | PO BOX 133 BANGOR, ME 04402 | HARVARD PILGRIM HEALTH CARE POS HSA 3300 | — | $6K | $6K | 0.95% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DR SUITE 2 AUGUSTA, ME 04330 | HARVARD PILGRIM HC - POS HSA 1650 | $9K | — | $9K | 3.02% |
| CROSS INSURANCE3 | PO BOX 1388 BANGOR, ME 04402 | HARVARD PILGRIM HC - POS HSA 1650 | — | $3K | $3K | 0.94% |
| CROSS BENEFIT SOLUTIONS3 | PO BOX 1388 BANGOR, ME 04401 | UNUM LIFE INS CO OF AMERICA - 5130 | $9K | — | $9K | 6.71% |
| CROSS INSURANCE3 | 491 MAIN ST PO BOX 1388 BANGOR, ME 04401 | UNUM LIFE INS CO OF AMERICA - 5130 | — | $3K | $3K | 1.85% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DR SUITE 2 AUGUSTA, ME 04330 | HARVARD PILGRIM HC POS | $4K | — | $4K | 2.97% |
| CROSS INSURANCE3 | 491 MAIN STREET PO BOX 1388 BANGOR, ME 04401 | HARVARD PILGRIM HC POS | — | $1K | $1K | 0.92% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DR STE 2 AUGUSTA, ME 04330 | DELTA DENTAL PLAN OF MAINE | $6K | — | $6K | 5.03% |
| CROSS BENEFIT SOLUTIONS3 | PO BOX 1388 BANGOR, ME 04401 | UNUM LIFE INS CO OF AMERICA - 5131 | $6K | — | $6K | 13.88% |
| CROSS INSURANCE3 | 491 MAIN ST PO BOX 1388 BANGOR, ME 04401 | UNUM LIFE INS CO OF AMERICA - 5131 | — | $855 | $855 | 1.85% |
| CROSS BENEFIT SOLUTIONS3 | PO BOX 1388 BANGOR, ME 04401 | UNUM INSURANCE COMPANY - CRITICAL ILLNESS | $2K | — | $2K | 13.94% |
| CROSS INSURANCE3 | 491 MAIN STREET PO BOX 1388 BANGOR, ME 04401 | UNUM INSURANCE COMPANY - CRITICAL ILLNESS | — | $237 | $237 | 1.86% |
| CROSS BENEFIT SOLUTIONS3 | PO BOX 1388 BANGOR, ME 04401 | HARVARD PILGRIM HC POS COB | $307 | — | $307 | 2.44% |
| CROSS INSURANCE3 | 491 MAIN STREET PO BOX 1388 BANGOR, ME 04401 | HARVARD PILGRIM HC POS COB | — | $95 | $95 | 0.76% |
| CROSS BENEFIT SOLUTIONS3 | PO BOX 1388 BANGOR, ME 04401 | UNUM INSURANCE COMPANY - GROUP ACCIDENT | $1K | — | $1K | 12.47% |
| CROSS INSURANCE3 | 491 MAIN STREET PO BOX 1388 BANGOR, ME 04401 | UNUM INSURANCE COMPANY - GROUP ACCIDENT | — | $274 | $274 | 2.38% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DR STE 2 AUGUSTA, ME 04330 | UNUM INSURANCE COMPANY - HOSPITAL | $1K | — | $1K | 13.92% |
| CROSS INSURANCE3 | PO BOX 133 BANGOR, ME 04402 | UNUM INSURANCE COMPANY - HOSPITAL | — | $206 | $206 | 2.85% |
| CROSS BENEFIT SOLUTIONS3 | PO BOX 1388 BANGOR, ME 04401 | UNUM INSURANCE COMPANY - HOSPITAL | — | — | $0 | 0.00% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DR SUITE 2 AUGUSTA, ME 04330 | HARVARD PILGRIM HC - POS HSA 1650 COB | $105 | — | $105 | 2.07% |
| CROSS INSURANCE3 | PO BOX 1388 BANGOR, ME 04402 | HARVARD PILGRIM HC - POS HSA 1650 COB | — | $33 | $33 | 0.65% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DR SUITE 2 AUGUSTA, ME 04330 | HPHC POSHSA 3300 COBRA | $82 | — | $82 | 2.78% |
| CROSS INSURANCE3 | PO BOX 1388 BANGOR, ME 04402 | HPHC POSHSA 3300 COBRA | — | $26 | $26 | 0.88% |
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 | 167 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 171 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(8 contracts, 8 carriers) | HARVARD PILGRIM HEALTH CARE POS HSA 5000 | 122 | $1.8M |
| Dental | DELTA DENTAL PLAN OF MAINE | 229 | $127K |
| Life insurance | UNUM LIFE INS CO OF AMERICA - 5130 | 201 | $138K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INS CO OF AMERICA - 5130 | 201 | $150K |
| Long-term disability | UNUM LIFE INS CO OF AMERICA - 5130 | 201 | $138K |
| Other(9 contracts, 9 carriers) | HARVARD PILGRIM HEALTH CARE POS HSA 5000 | 122 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 229 | — |
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."
No prospect flags tripped on this filing.