| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROSS BENEFIT SOLUTIONS3 | PO BOX 469 AUGUSTA, ME 04332 | STANDARD INSURANCE COMPANY | $15K | — | $15K | 12.00% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DR AUGUSTA, ME 04332 | DELTA DENTAL OF VERMONT, INC. | $11K | — | $11K | 8.61% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES LLC DBA CSONE BEN | PO BOX 1320 CONCORD, NH 03302 | DELTA DENTAL OF VERMONT, INC. | $84 | — | $84 | 0.07% |
| CROSS BENEFIT SOLUTIONS3 | PO BOX 469 AUGUSTA, ME 04332 | STANDARD INSURANCE COMPANY | $9K | — | $9K | 10.00% |
| CROSS BENEFIT SOLUTIONS3 | PO BOX 469 AUGUSTA, ME 04332 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 10.00% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DR AUGUSTA, ME 04330 | VISION SERVICE PLAN | $1K | — | $1K | 4.19% |
| PERRYVILLE MARKETING ASSOCIATES LLC3 | PO BOX 71 REHOBOTH, MA 02769 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | — | $1K | 11.77% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DR AUGUSTA, ME 04330 | TRANSAMERICA LIFE INSURANCE COMPANY | $652 | — | $652 | 6.46% |
| MICHAEL A SIMPSON3 Filed as: MICHAEL SLADE | 1210 KINGS BROOK DRIVE SOUTHLAKE, TX 76092 | TRANSAMERICA LIFE INSURANCE COMPANY | $426 | — | $426 | 4.22% |
| JUDITH KING PROTEAU3 Filed as: JUDITH PROTEAU | 30 LAFAYETTE DRIVE MARLBORO, MA 01752 | TRANSAMERICA LIFE INSURANCE COMPANY | $69 | — | $69 | 0.68% |
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 | 258 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 258 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF VERMONT, INC. | 312 | $125K |
| Vision | VISION SERVICE PLAN | 148 | $25K |
| Life insurance | STANDARD INSURANCE COMPANY | 258 | $89K |
| Short-term disability | STANDARD INSURANCE COMPANY | 258 | $129K |
| Long-term disability | STANDARD INSURANCE COMPANY | 245 | $63K |
| Other | TRANSAMERICA LIFE INSURANCE COMPANY | 32 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 312 | — |
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.