| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BLUE CROSS BLUE SHIELD OF VERMONT | — | BLUE CROSS AND BLUE SHIELD OF VERMONT | $106K | — | $106K | 13.75% |
| ALLEN NASSIF3 | 1233 SHELBURNE RD C-2A SOUTH BURLINGTON, VT 05403 | BLUE CROSS AND BLUE SHIELD OF VERMONT | $28K | $10K | $38K | 4.93% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DR STE 2 AUGUSTA, NH 04332 | DELTA DENTAL | $5K | — | $5K | 3.24% |
| CROSS INSURANCE3 Filed as: CROSS INSURANCE NH | DBA CROSS INSURANCE - MANCHESTER 1100 ELM STREET MANCHESTER, NH 03101 | DELTA DENTAL | $2K | — | $2K | 1.10% |
| CROSS BENEFIT SOLUTIONS3 | 491 MAIN ST BANGOR, ME 04401 | STANDARD INSURANCE COMPANY | $13K | — | $13K | 13.21% |
| CROSS INSURANCE3 Filed as: CROSS INSURANCE INC - NEW HAMPSHIRE | 1100 ELM ST MANCHESTER, NH 03101 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 1.35% |
| CROSS BENEFIT SOLUTIONS3 | 491 MAIN ST BANGOR, ME 04401 | STANDARD INSURANCE COMPANY | $9K | — | $9K | 10.84% |
| CROSS INSURANCE3 Filed as: CROSS INSURANCE INC - NEW HAMPSHIRE | 1100 ELM ST MANCHESTER, NH 03101 | STANDARD INSURANCE COMPANY | $882 | — | $882 | 1.09% |
| CROSS BENEFIT SOLUTIONS3 | 491 MAIN ST BANGOR, ME 04401 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 10.98% |
| CROSS INSURANCE3 Filed as: CROSS INSURANCE INC - NEW HAMPSHIRE | 1100 ELM ST MANCHESTER, NH 03101 | STANDARD INSURANCE COMPANY | $562 | — | $562 | 1.10% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DR STE 2 AUGUSTA, ME 043308009 | VISION SERVICE PLAN | $924 | — | $924 | 3.62% |
| CROSS INSURANCE3 Filed as: CROSS INSURANCE INC - NEW HAMPSHIRE | 1100 ELM ST MANCHESTER, NH 03101 | VISION SERVICE PLAN | $772 | — | $772 | 3.03% |
| CROSS BENEFIT SOLUTIONS3 | 491 MAIN ST BANGOR, ME 04401 | STANDARD INSURANCE COMPANY | $6K | $1K | $8K | — |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC LLC | 1933 STATE ROUTE 35 STE 368 WALL, NJ 07719 | STANDARD INSURANCE COMPANY | $477 | — | $477 | — |
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 | 199 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 199 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL | 335 | $141K |
| Vision | VISION SERVICE PLAN | 158 | $25K |
| Life insurance | STANDARD INSURANCE COMPANY | 258 | $81K |
| Short-term disability | STANDARD INSURANCE COMPANY | 355 | $98K |
| Long-term disability | STANDARD INSURANCE COMPANY | 244 | $51K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS AND BLUE SHIELD OF VERMONT | 411 | $772K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 411 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.