| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROSS INSURANCE3 | 2352 MAIN STREET, SUITE 304 CONCORD, MA 01742 | TUFTS INSURANCE COMPANY | $15K | $5K | $20K | 2.29% |
| CROSS INSURANCE3 | 401 EDGEWATER PLACE WAKEFIELD, MA 01880 | TUFTS INSURANCE COMPANY | $0 | $726 | $726 | 0.08% |
| CROSS INSURANCE3 | 2352 MAIN STREET, SUITE 304 CONCORD, MA 01742 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG., INC. | $31K | $6K | $37K | 5.39% |
| CROSS INSURANCE3 | 401 EDGEWATER PLACE WAKEFIELD, MA 01880 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG., INC. | $0 | $586 | $586 | 0.08% |
| CROSS INSURANCE3 Filed as: CROSS INSURANCE DBA BUS. BENEFITS | 491 MAIN STREET BANGOR, ME 04401 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $0 | $4K | 2.27% |
| CROSS INSURANCE3 | 401 EDGEWATER PLACE WAKEFIELD, MA 01880 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 0.81% |
| BUSINESS INSURANCE AGENCY3 Filed as: BUSINESS BENEFITS INC | 4 PUNCHARD AVENUE ANDOVER, MA 01810 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 0.78% |
| CROSS INSURANCE3 | 401 EDGEWATER PLACE SUITE 220 WAKEFIELD, MA 01880 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | $0 | $5K | 10.21% |
| CROSS BENEFIT SOLUTIONS3 Filed as: CROSS BENEFIT SOLUTONS | 116 COMMUNITY DRIVE, SUITE 2 AUGUSTA, ME 04330 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO | $420 | $0 | $420 | 6.54% |
| CROSS INSURANCE3 | PO BOX 1388 BANGOR, ME 04402 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO | $237 | $154 | $391 | 6.08% |
| CROSS BENEFIT SOLUTIONS3 Filed as: CROSS BENEFIT SOLUTONS | 116 COMMUNITY DRIVE, SUITE 2 AUGUSTA, ME 04330 | METROPOLITAN GENERAL INSURANCE COMPANY | $227 | $0 | $227 | 10.01% |
| CROSS INSURANCE3 | 401 EDGEWATER PLACE WAKEFIELD, MA 01880 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $13 | $0 | $13 | 2.33% |
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 | 218 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 15 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 236 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | TUFTS INSURANCE COMPANY | 183 | $1.6M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 311 | $161K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 311 | $161K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 106 | $45K |
| Prescription drug(2 contracts, 2 carriers) | TUFTS INSURANCE COMPANY | 183 | $1.6M |
| Other(4 contracts, 4 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 106 | $54K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 311 | — |
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.