| 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 | — | $8K | 6.67% |
| CROSS INSURANCE3 | 491 MAIN ST PO BOX 1388 BANGOR, ME 04401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $3K | $3K | 2.15% |
| CROSS BENEFIT SOLUTIONS3 | 491 MAIN ST PO BOX 1388 BANGOR, ME 04401 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $3K | $3K | 5.45% |
| FIAI INC3 Filed as: FIAI, INC | 1100 ELM STREET MANCHESTER, NH 03101 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 4.46% |
| FIAI INC3 Filed as: FIAI, INC | P.O. BOX 1388 BANGOR, ME 04402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 16.62% |
| CROSS INSURANCE3 | 491 MAIN ST PO BOX 1388 BANGOR, ME 04401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $1K | $1K | 2.22% |
| FIAI INC3 Filed as: FIAI, INC | PO BOX 1388 BANGOR, ME 04402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 15.22% |
| CROSS INSURANCE3 | 491 MAIN ST PO BOX 1388 BANGOR, ME 04401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $738 | $738 | 2.03% |
| COMBINED SERVICES LLC3 | 2 DELTA DR STE 301 CONCORD, NH 03301 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 11.24% |
| FIAI INC3 Filed as: FIAI, INC | P.O. BOX 1388 BANGOR, ME 04402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $858 | — | $858 | 7.50% |
| FIAI INC3 Filed as: FIAI, INC | PO BOX 1388 BANGOR, ME 04402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 9.81% |
| CROSS INSURANCE3 | 491 MAIN ST PO BOX 1388 BANGOR, ME 04401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $203 | $203 | 1.96% |
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 | 592 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 592 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 326 | $56K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 326 | $56K |
| Life insurance(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 583 | $171K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 50 | $52K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 384 | $124K |
| Other(4 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 583 | $183K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 583 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.