| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FIAI INC3 Filed as: FIAI, INC | P.O. BOX 1388 BANGOR, ME 04402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $2K | $10K | 8.62% |
| CROSS INSURANCE3 | 491 MAIN ST PO BOX 1388 BANGOR, ME 04401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $792 | $792 | 0.69% |
| FIAI INC3 Filed as: FIAI, INC | P.O. BOX 1388 BANGOR, ME 04402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $719 | $9K | 16.88% |
| CROSS INSURANCE3 | 491 MAIN ST PO BOX 1388 BANGOR, ME 04401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $359 | $359 | 0.69% |
| CROSS BENEFIT SOLUTIONS3 | 491 MAIN ST PO BOX 1388 BANGOR, ME 04401 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $7K | $7K | 13.67% |
| FIAI INC3 Filed as: FIAI, INC | 1100 ELM STREET MANCHESTER, NH 03101 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 4.98% |
| FIAI INC3 Filed as: FIAI, INC | PO BOX 1388 BANGOR, ME 04402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $532 | $6K | 17.05% |
| CROSS INSURANCE3 | 491 MAIN ST PO BOX 1388 BANGOR, ME 04401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $234 | $234 | 0.64% |
| COMBINED SERVICES LLC3 | 2 DELTA DR STE 301 CONCORD, NH 03301 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 33.65% |
| FIAI INC3 Filed as: FIAI, INC | P.O. BOX 1388 BANGOR, ME 04402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 22.44% |
| FIAI INC3 Filed as: FIAI, INC | PO BOX 1388 BANGOR, ME 04402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $758 | $91 | $849 | 10.21% |
| CROSS INSURANCE3 | 491 MAIN ST PO BOX 1388 BANGOR, ME 04401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $61 | $61 | 0.73% |
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 | 609 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 609 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 284 | $48K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 284 | $48K |
| Life insurance(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 551 | $160K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 107 | $52K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 551 | $115K |
| Other(4 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 551 | $174K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 551 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.