| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WOODROW W CROSS AGENCY3 Filed as: WOODROW W CROSS | 74 GILMAN ROAD BANGOR, ME 04401 | ANTHEM LIFE INSURANCE COMPANY | $7K | — | $7K | 21.48% |
| TOTEM OUTSOURCING LLC | 6655 TOWN SQUARE SUITE 250 ALPHARETTA, GA 30005 | ANTHEM LIFE INSURANCE COMPANY | $682 | — | $682 | 2.06% |
| CROSS BENEFIT SOLUTIONS3 | PO BOX 469 AUGUSTA, ME 04332 | ANTHEM LIFE INSURANCE COMPANY | — | $612 | $612 | 1.85% |
| WOODROW W CROSS AGENCY3 | 74 GILMAN ROAD BANGOR, ME 04401 | ANTHEM HEALTH PLANS OF MAINE, INC | $812 | — | $812 | 10.00% |
| CROSS BENEFIT SOLUTIONS3 | 2367 CONGRESS STREET PORTLAND, ME 04102 | ANTHEM HEALTH PLANS OF MAINE, INC | — | $86 | $86 | 1.06% |
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 | 130 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 131 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | ANTHEM HEALTH PLANS OF MAINE, INC | 173 | $8K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 159 | $33K |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY | 159 | $33K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 159 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 173 | — |
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.