| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROSS BENEFIT SOLUTIONS3 | 2367 CONGRESS STREET PORTLAND, ME 04102 | UNITEDHEALTHCARE INSURANCE COMPANY | $63K | — | $63K | 2.99% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE SUITE 2 AUGUSTA, ME 04330 | NORTHEAST DELTA DENTAL | $8K | — | $8K | 5.08% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES DBA CSONE BEN SOL | PO BOX 1320 CONCORD, NH 03302 | NORTHEAST DELTA DENTAL | $2K | — | $2K | 1.29% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE SUITE 2 AUGUSTA, ME 04330 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $6K | — | $6K | 8.03% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE SUITE 2 AUGUSTA, ME 04330 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $7K | — | $7K | 11.34% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE SUITE 2 AUGUSTA, ME 04330 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $1K | — | $1K | 12.47% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE SUITE 2 AUGUSTA, ME 04330 | RED TREE INSURANCE COMPANY INC | $1K | — | $1K | — |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES DBA CSONE BEN SOL | PO BOX 1320 CONCORD, NH 03302 | RED TREE INSURANCE COMPANY INC | $222 | — | $222 | — |
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 | 251 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 251 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 382 | $2.1M |
| Dental | NORTHEAST DELTA DENTAL | 209 | $162K |
| Vision | RED TREE INSURANCE COMPANY INC | 449 | $0 |
| Long-term disability | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | 251 | $65K |
| Other(3 contracts) | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | 251 | $86K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 449 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.