| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROSS INSURANCE3 Filed as: CROSS INSURANCE, INC. | 1100 ELM STREET MANCHESTER, ME 03101 | MATTHEW THORNTON HEALTH PLAN, INC. | $31K | $6K | $37K | 5.69% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE, SUITE 2 AUGUSTA, ME 04330 | MATTHEW THORNTON HEALTH PLAN, INC. | $0 | $507 | $507 | 0.08% |
| CROSS INSURANCE3 Filed as: CROSS INSURANCE, INC. | 1100 ELM STREET MANCHESTER, NH 03101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $0 | $8K | 9.60% |
| CROSS INSURANCE3 Filed as: CROSS INSURANCE, INC. | 1100 ELM STREET MANCHESTER, ME 03101 | ANTHEM HEALTH PLANS OF NEW HAMPSHIRE, INC. | $3K | $505 | $3K | 5.72% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE, SUITE 2 AUGUSTA, ME 04330 | ANTHEM HEALTH PLANS OF NEW HAMPSHIRE, INC. | $0 | $44 | $44 | 0.08% |
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 | 116 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MATTHEW THORNTON HEALTH PLAN, INC. | 99 | $647K |
| Dental | ANTHEM HEALTH PLANS OF NEW HAMPSHIRE, INC. | 129 | $56K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 116 | $87K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 116 | $87K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 116 | $87K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 116 | $87K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 129 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.