| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE, SUITE 2 AGUSTA, ME 04330 | HPHC INSURANCE COMPANY | $19K | $0 | $19K | 1.99% |
| ALLIANT INSURANCE SERVICES, INC.3 | 32 OLD SLIP, 29TH FLOOR NEW YORK, NY 10005 | HPHC INSURANCE COMPANY | $4K | $0 | $4K | 0.47% |
| CROSS INSURANCE3 | PO BOX 133 BANGOR, ME 04402 | HPHC INSURANCE COMPANY | $0 | $3K | $3K | 0.35% |
| CROSS INSURANCE3 Filed as: CROSS INSURANCE, INC. | 491 MAIN STREET BANGOR, ME 04401 | STARMOUNT LIFE INSURANCE COMPANY | $5K | — | $5K | 7.72% |
| CROSS INSURANCE3 | PO BOX 1388 BANGOR, ME 04401 | STARMOUNT LIFE INSURANCE COMPANY | $0 | $2K | $2K | 3.77% |
| ALLIANT INSURANCE SERVICES, INC.3 | 18100 VON KARMAN AVENUE, 10TH FLOOR IRVINE, CA 92612 | STARMOUNT LIFE INSURANCE COMPANY | $2K | $815 | $2K | 3.76% |
| CROSS INSURANCE3 Filed as: CROSS INSURANCE, INC. | 491 MAIN STREET BANGOR, ME 04401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $0 | $7K | 11.41% |
| ALLIANT INSURANCE SERVICES, INC.3 | 18100 VON KARMAN AVENUE, 10TH FLOOR IRVINE, CA 92612 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $780 | $3K | 4.96% |
| CROSS INSURANCE3 | PO BOX 1388 BANGOR, ME 04401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $2K | $2K | 3.61% |
| CROSS BENEFIT SOLUTIONS3 | PO BOX 1388 BANGOR, ME 04401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $718 | $0 | $718 | 1.16% |
| CROSS INSURANCE3 | 491 MAIN STREET BANGOR, ME 04401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $80 | $80 | 0.13% |
| CROSS INSURANCE3 Filed as: CROSS INSURANCE, INC. | 491 MAIN STREET BANGOR, ME 04401 | UNUM INSURANCE COMPANY | $2K | $0 | $2K | 14.67% |
| CROSS INSURANCE3 | PO BOX 1388 BANGOR, ME 04401 | UNUM INSURANCE COMPANY | $0 | $584 | $584 | 4.89% |
| ALLIANT INSURANCE SERVICES, INC.3 | 18100 VON KARMAN AVENUE, 10TH FLOOR IRVINE, CA 92612 | UNUM INSURANCE COMPANY | $39 | $9 | $48 | 0.40% |
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 | 146 | 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) | 146 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HPHC INSURANCE COMPANY | 97 | $943K |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 97 | $66K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 97 | $66K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 146 | $62K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 146 | $62K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 146 | $62K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 146 | $74K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 146 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.