| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE, SUITE 2 AUGUSTA, ME 04330 | HARVARD PILGRIM HEALTH CARE | $20K | $0 | $20K | 4.75% |
| CROSS INSURANCE3 | PO BOX 133 BANGOR, ME 04402 | HARVARD PILGRIM HEALTH CARE | $0 | $4K | $4K | 1.04% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE, SUITE 2 AUGUSTA, ME 04330 | HPHC INSURANCE COMPANY | $8K | $0 | $8K | 4.82% |
| CROSS INSURANCE3 | PO BOX 133 BANGOR, ME 04402 | HPHC INSURANCE COMPANY | $0 | $2K | $2K | 1.06% |
| CROSS BENEFIT SOLUTIONS3 | 2367 CONGRESS STREET PORTLAND, ME 04102 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $1K | $3K | 4.74% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE AUGUSTA, ME 04330 | DELTA DENTAL PLAN OF MAINE | $1K | $0 | $1K | 4.63% |
| COMBINED SERVICES LLC3 | PO BOX 1320 CONCORD, NH 03302 | DELTA DENTAL PLAN OF MAINE | $209 | $0 | $209 | 0.79% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE AUGUSTA, ME 04330 | CONTINENTAL AMERICAN INSURANCE COMPANY | -$130 | $0 | -$130 | — |
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 | 126 | 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) | 126 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HARVARD PILGRIM HEALTH CARE | 85 | $586K |
| Dental | DELTA DENTAL PLAN OF MAINE | 49 | $27K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 126 | $58K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 126 | $58K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 126 | $58K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 126 | $58K |
| Prescription drug(2 contracts, 2 carriers) | HARVARD PILGRIM HEALTH CARE | 85 | $586K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 126 | $58K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 126 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.