| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROSS BENEFIT SOLUTIONS3 Filed as: CROSS BENEFITS SOLUTIONS | 116 COMMUNITY DRIVE AUGUSTA, ME 04330 | SUN LIFE ASSURANCE COMPANY OF CANADA | $12K | — | $12K | 11.34% |
| CROSS INSURANCE Filed as: CROSS INSURANCE AGENCY | PO BOX 1388 BANGOR, ME 04402 | AETNA LIFE INSURANCE CO. | $59K | — | $59K | 68.30% |
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 | 183 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 187 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE CO. | 202 | $87K |
| Vision | AETNA LIFE INSURANCE CO. | 202 | $87K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 183 | $103K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 183 | $103K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 183 | $103K |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURANCE CO. | 12 | $616K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 202 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.