| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROSS INSURANCE3 | 2352 MAIN STREET, SUITE 304 CONCORD, MA 01742 | TUFTS INSURANCE COMPANY | $26K | $0 | $26K | 1.56% |
| CROSS INSURANCE3 | 491 MAIN STREET BANGOR, ME 04401 | TUFTS INSURANCE COMPANY | $0 | $20K | $20K | 1.19% |
| CROSS INSURANCE3 | 2352 MAIN STREET, SUITE 304 CONCORD, MA 01742 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG., INC. | $31K | — | $31K | 3.82% |
| CROSS INSURANCE3 | 491 MAIN STREET BANGOR, ME 04401 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG., INC. | — | $13K | $13K | 1.59% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE, SUITE 2 AUGUSTA, ME 04330 | METROPOLITAN LIFE INSURANCE COMPANY | $51K | $0 | $51K | 17.12% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD, 2ND FLOOR HAUPPAGE, NY 11788 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $68 | $12K | 3.90% |
| CROSS INSURANCE3 | 491 MAIN STREET BANGOR, ME 04401 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 15.05% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD, 2ND FLOOR HAUPPAGE, NY 11788 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $0 | $2K | $2K | 5.01% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE, SUITE 2 AUGUSTA, ME 04330 | METROPOLITAN GENERAL INSURANCE COMPANY | $1K | $0 | $1K | 8.64% |
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 | 300 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 301 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | TUFTS INSURANCE COMPANY | 293 | $2.5M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 441 | $298K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 441 | $298K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 156 | $32K |
| Prescription drug(2 contracts, 2 carriers) | TUFTS INSURANCE COMPANY | 293 | $2.5M |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 441 | $346K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 441 | — |
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."
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.