| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROSS INSURANCE3 Filed as: CROSS INSURANCE, INC. | PO BOX 1388 BANGOR, ME 04402 | UNITEDHEALTHCARE INSURANCE COMPANY | $25K | $0 | $25K | 2.95% |
| CROSS INSURANCE3 Filed as: CROSS INSURANCE, INC. | 491 MAIN STREET BANGOR, ME 04401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $4K | $16K | 14.72% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES | 1933 STATE ROUTE 35, SUITE 368 WALL, NJ 07719 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $5K | $5K | 5.00% |
| CROSS INSURANCE3 Filed as: CROSS INSURANCE, INC. | 491 MAIN STREET BANGOR, ME 04401 | STARMOUNT LIFE INSURANCE COMPANY | $3K | $2K | $5K | 8.17% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES | 1933 STATE ROUTE 35, SUITE 368 WALL, NJ 07719 | STARMOUNT LIFE INSURANCE COMPANY | $0 | $3K | $3K | 5.00% |
| CROSS INSURANCE3 Filed as: CROSS INSURANCE, INC. | 491 MAIN STREET BANGOR, ME 04401 | UNUM INSURANCE COMPANY | $6K | $1K | $8K | 18.36% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES | 1933 STATE ROUTE 35, SUITE 368 WALL, NJ 07719 | UNUM INSURANCE COMPANY | $0 | $2K | $2K | 5.00% |
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 | 142 | 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) | 142 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 150 | $838K |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 114 | $64K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 114 | $64K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 147 | $106K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 147 | $106K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 147 | $106K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 150 | $838K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 147 | $148K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 150 | — |
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.