| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DR AUGUSTA, ME 04332 | DELTA DENTAL OF VERMONT, INC. | $7K | — | $7K | 5.29% |
| CROSS BENEFIT SOLUTIONS3 | 62 WILDERNESS DRIVE MANCHESTER, NH 04332 | STANDARD INSURANCE COMPANY | $13K | — | $13K | 12.00% |
| CROSS BENEFIT SOLUTIONS3 | 62 WILDERNESS DRIVE MANCHESTER, NH 04332 | STANDARD INSURANCE COMPANY | $10K | — | $10K | 12.08% |
| CROSS BENEFIT SOLUTIONS3 | 62 WILDERNESS DRIVE MANCHESTER, NH 04332 | STANDARD INSURANCE COMPANY | $7K | — | $7K | 12.09% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DR AUGUSTA, ME 04330 | VISION SERVICE PLAN | $1K | — | $1K | 4.97% |
| PERRYVILLE MARKETING ASSOCIATES LLC3 Filed as: PERRYVILLE MARKETING ASSOCIATION LL | PO BOX 171 REHOBOTH, MA 02769 | TRANSAMERICA LIFE INSURANCE COMPANY | $608 | — | $608 | 7.14% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DR AUGUSTA, ME 04330 | TRANSAMERICA LIFE INSURANCE COMPANY | $328 | — | $328 | 3.85% |
| MICHAEL A SIMPSON3 Filed as: MICHAEL SLADE | 1210 KINGS BROOK DRIVE SOUTHLAKE, TX 76092 | TRANSAMERICA LIFE INSURANCE COMPANY | $188 | — | $188 | 2.21% |
| JUDITH KING PROTEAU3 Filed as: JUDITH PROTEAU | 30 LAFAYETTE DRIVE MARLBORO, MA 01752 | TRANSAMERICA LIFE INSURANCE COMPANY | $52 | — | $52 | 0.61% |
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 | 255 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 255 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF VERMONT, INC. | 319 | $136K |
| Vision | VISION SERVICE PLAN | 145 | $26K |
| Life insurance | STANDARD INSURANCE COMPANY | 255 | $82K |
| Short-term disability | STANDARD INSURANCE COMPANY | 351 | $110K |
| Long-term disability | STANDARD INSURANCE COMPANY | 243 | $58K |
| Other | TRANSAMERICA LIFE INSURANCE COMPANY | 31 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 351 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.