| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROSS INSURANCE3 Filed as: CROSS INSURANCE INC | PO BOX 1398 BANGOR, ME 91383 | UNITEDHEALTHCARE INSURANCE COMPANY | $90K | $0 | $90K | 2.83% |
| CROSS INSURANCE3 Filed as: CROSS INSURANCE, INC | 1100 ELM ST MANCHESTER, NH 03101 | UNITEDHEALTHCARE INSURANCE COMPANY | $23K | — | $23K | 0.72% |
| CROSS INSURANCE3 Filed as: CROSS INSURANCE, INC | PO BOX 1388 BANGOR, ME 04402 | DENTAL SERVICES OF MASSACHUSETTS, INC. DBA DELTA DENTAL OF MA | $5K | — | $5K | 2.26% |
| FIAI INC3 | 1100 ELM STREET MANCHESTER, NH 03101 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | $2K | — | $2K | 6.70% |
| CROSS INSURANCE3 | 1100 ELM STREET MANCHESTER, NH 03101 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | $960 | — | $960 | 3.32% |
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 | 230 | 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) | 230 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 397 | $3.2M |
| Dental | DENTAL SERVICES OF MASSACHUSETTS, INC. DBA DELTA DENTAL OF MA | 385 | $217K |
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | 339 | $29K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 397 | $3.2M |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 397 | $3.2M |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 397 | $3.2M |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 397 | $3.2M |
| Other | UNITEDHEALTHCARE INSURANCE COMPANY | 397 | $3.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 397 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.