| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROSS INSURANCE3 Filed as: CROSS INSURANCE WAKEFIELD, INC. | 401 EDGEWATER PLACE, SUITE 220 WAKEFIELD, MA 01880 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $96K | $96K | 3.90% |
| CROSS INSURANCE3 Filed as: CROSS INSURANCE WAKEFIELD, INC. | 491 MAIN STREET BANGOR, ME 04401 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $2K | $12K | 5.22% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BOULEVARD, SUITE 200 HAUPPAUGE, NY 11788 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $68 | $9K | 4.16% |
| CROSS INSURANCE3 Filed as: CROSS INSURANCE WAKEFIELD, INC. | 401 EDGEWATER PLACE, SUITE 100 WAKEFIELD, MA 01880 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $0 | $9K | 4.06% |
| CROSS INSURANCE3 Filed as: CROSS INSURANCE WAKEFIELD, INC. | 401 EDGEWATER PLACE, SUITE 220 WAKEFIELD, MA 01880 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16K | $0 | $16K | 10.56% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BOULEVARD, 2ND FLOOR HAUPPAUGE, NY 11788 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $14K | $14K | 9.00% |
| CROSS INSURANCE3 | 491 MAIN STREET BANGOR, ME 04401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $8K | $8K | 5.00% |
| CROSS INSURANCE3 | 45 STOREY AVENUE NEWBUYPORT, MA 01950 | VISION SERVICE PLAN | $3K | $0 | $3K | 8.35% |
| CROSS INSURANCE3 Filed as: CROSS INSURANCE WAKEFIELD, INC. | PO BOX 1388 BANGOR, ME 04402 | VISION SERVICE PLAN | $647 | $0 | $647 | 1.61% |
| CROSS INSURANCE3 Filed as: CROSS INSURANCE WAKEFIELD | 401 EDGEWATER PLACE, SUITE 220 WAKEFIELD, MA 01880 | METROPOLITAN GENERAL INSURANCE COMPANY | $2K | $0 | $2K | 15.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $79 | $79 | 0.77% |
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 | 180 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 188 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 249 | $2.5M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 380 | $224K |
| Vision | VISION SERVICE PLAN | 172 | $40K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 180 | $153K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 180 | $153K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 180 | $153K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 249 | $2.5M |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 380 | $387K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 380 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.