| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROSS BENEFIT SOLUTIONS3 | 2367 CONGRESS STREET PORTLAND, ME 04102 | SUN LIFE ASSURANCE COMPANY OF CANADA | $178K | $0 | $178K | 20.00% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE, SUITE 2 AUGUSTA, ME 04330 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $12K | $12K | 1.31% |
| CROSS BENEFIT SOLUTIONS3 | 2367 CONGRESS STREET PORTLAND, ME 04102 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $42K | $0 | $42K | 9.89% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE, SUITE 2 AUGUSTA, ME 04330 | UNUM INSURANCE COMPANY | $7K | $0 | $7K | 11.63% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE, SUITE 2 AUGUSTA, ME 04330 | VISION SERVICE PLAN | $2K | — | $2K | 3.84% |
| CROSS BENEFIT SOLUTIONS3 | 2367 CONGRESS STREET PORTLAND, ME 04102 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | $0 | $1K | 9.49% |
| CROSS INSURANCE3 Filed as: CROSS INSURANCE INC | PO BOX 1388 BANGOR, ME 04402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $44 | $0 | $44 | 8.51% |
| EMPLOYEE FAMILY PROTECTION INC3 | PO BOX 1237 GLASTONBURY, CT 06033 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7 | — | $7 | 1.35% |
| CROSS BENEFIT SOLUTIONS3 | 2367 CONGRESS STREET PORTLAND, ME 04102 | HARTFORD FIRE INSURANCE COMPANY | $0 | $75 | $75 | — |
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 | 661 | 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) | 661 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HAWAII MEDICAL SERVICE ASSOCIATION | 49 | $241K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,090 | $429K |
| Vision | VISION SERVICE PLAN | 444 | $47K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 661 | $890K |
| Short-term disability(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 661 | $903K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 661 | $890K |
| Other(4 contracts, 4 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 681 | $947K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,090 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.