| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROSS BENEFIT SOLUTIONS3 | PO BOX 490 AUGUSTA, ME 04330 | HPHC INSURANCE COMPANY | $23K | — | $23K | 3.88% |
| CROSS BENEFIT SOLUTIONS3 | PO BOX 469 AUGUSTA, ME 04330 | HPHC INSURANCE COMPANY | $12K | — | $12K | 3.88% |
| CROSS BENEFIT SOLUTIONS3 | PO BOX 469 AUGUSTA, ME 04330 | HARVARD PILGRIM HEALTH CARE | $4K | — | $4K | 3.88% |
| CROSS BENEFIT SOLUTIONS3 | PO BOX 469 AUGUSTA, ME 04330 | UNUM | $3K | — | $3K | 7.38% |
| THE BUCKLEY GROUP OF PORTLAND INC3 Filed as: THE BUCKLEY GROUP OF PORTLAND | 75 MARKET STREET SUITE 401 PORTLAND, ME 04101 | UNUM | $989 | — | $989 | 2.15% |
| CROSS INSURANCE3 | 491 MAIN ST PO BOX 1388 BANGOR, ME 04401 | UNUM | — | $693 | $693 | 1.51% |
| BGA FINANCIAL3 | PO BOX 630 LEWISTON, ME 04243 | UNUM | — | $152 | $152 | 0.33% |
| CROSS BENEFIT SOLUTIONS3 | PO BOX 1388 BANGOR, ME 04401 | UNUM | $3K | — | $3K | 10.26% |
| THE BUCKLEY GROUP OF PORTLAND INC3 Filed as: THE BUCKLEY GROUP OF PORTLAND | 75 MARKET STREET SUITE 401 PORTLAND, ME 04101 | UNUM | $1K | — | $1K | 3.67% |
| CROSS INSURANCE3 | 491 MAIN ST PO BOX 1388 BANGOR, ME 04401 | UNUM | — | $494 | $494 | 1.53% |
| BGA FINANCIAL3 | PO BOX 630 LEWISTON, ME 04243 | UNUM | — | $104 | $104 | 0.32% |
| CROSS BENEFIT SOLUTIONS3 | PO BOX 490 AUGUSTA, ME 04330 | HPHC INSURANCE COMPANY | $745 | — | $745 | 3.87% |
| CROSS BENEFIT SOLUTIONS3 | PO BOX 469 AUGUSTA, ME 04330 | HPHC INSURANCE COMPANY | $503 | — | $503 | 3.88% |
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 | 152 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 157 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 2 carriers) | HPHC INSURANCE COMPANY | 190 | $1.0M |
| Life insurance | UNUM | 150 | $46K |
| Short-term disability | UNUM | 150 | $46K |
| Long-term disability | UNUM | 150 | $46K |
| Other | UNUM | 70 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 190 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.