| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DR AUGUSTA, ME 04332 | STANDARD INSURANCE COMPANY | $16K | — | $16K | 11.10% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DR AUGUSTA, ME 04332 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 1.59% |
| CROSS BENEFIT SOLUTIONS3 | PO BOX 469 AUGUSTA, ME 04332 | THE STANDARD INSURANCE COMPANY | $3K | — | $3K | 2.31% |
| CROSS BENEFIT SOLUTIONS3 | PO BOX 469 AUGUSTA, ME 04332 | THE STANDARD INSURANCE COMPANY | $794 | — | $794 | 0.72% |
| CROSS BENEFIT SOLUTIONS3 | PO BOX 469 AUGUSTA, ME 04332 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 9.21% |
| CROSS BENEFIT SOLUTIONS3 | PO BOX 469 AUGUSTA, ME 04332 | STANDARD INSURANCE COMPANY | $945 | — | $945 | 1.46% |
| CROSS BENEFIT SOLUTIONS3 | PO BOX 469 AUGUSTA, ME 04332 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 9.21% |
| CROSS BENEFIT SOLUTIONS3 | PO BOX 469 AUGUSTA, ME 04332 | STANDARD INSURANCE COMPANY | $853 | — | $853 | 1.46% |
| PERRYVILLE MARKETING ASSOCIATES LLC3 | PO BOX 171 REHOBOTH, MA 02769 | TRANSAMERICA LIFE INSURANCE COMPANY | $741 | — | $741 | 6.46% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DR AUGUSTA, ME 04330 | TRANSAMERICA LIFE INSURANCE COMPANY | $406 | — | $406 | 3.54% |
| MICHAEL A SIMPSON3 Filed as: MICHAEL SLADE | 1210 KINGS BROOK DR SOUTHLAKE, TX 76092 | TRANSAMERICA LIFE INSURANCE COMPANY | $162 | — | $162 | 1.41% |
| JUDITH KING PROTEAU3 Filed as: JUDITH PROTEAU | 30 LAFAYETTE DRIVE MARLBORO, MA 01752 | TRANSAMERICA LIFE INSURANCE COMPANY | $101 | — | $101 | 0.88% |
| SWETT & CRAWFORD OF GEORGIA INC3 | 3350 RIVERWOOD PKWY SE SUITE 1100 ALTANTA, GA 30339 | TRANSAMERICA LIFE INSURANCE COMPANY | $49 | — | $49 | 0.43% |
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 | 274 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 274 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE STANDARD INSURANCE COMPANY | 118 | $111K |
| Vision | VISION SERVICE PLAN | 153 | $25K |
| Life insurance | STANDARD INSURANCE COMPANY | 274 | $58K |
| Short-term disability | STANDARD INSURANCE COMPANY | 274 | $142K |
| Long-term disability | STANDARD INSURANCE COMPANY | 255 | $65K |
| Other | TRANSAMERICA LIFE INSURANCE COMPANY | 38 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 274 | — |
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.
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.