| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE, SUITE 2 AUGUSTA, ME 04330 | HARVARD PILGRIM HEALTH CARE | $36K | $0 | $36K | 4.21% |
| CROSS INSURANCE3 | PO BOX 133 BANGOR, ME 04402 | HARVARD PILGRIM HEALTH CARE | $0 | $10K | $10K | 1.17% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE AUGUSTA, ME 04330 | DELTA DENTAL PLAN OF MAINE | $4K | $0 | $4K | 5.05% |
| COMBINED SERVICES LLC3 | PO BOX 1320 CONCORD, NH 03302 | DELTA DENTAL PLAN OF MAINE | $652 | $0 | $652 | 0.91% |
| CROSS BENEFIT SOLUTIONS3 | 2367 CONGRESS STREET PORTLAND, ME 04102 | STANDARD INSURANCE COMPANY | $7K | $2K | $8K | 17.36% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES LLC | 1933 STATE ROUTE 35, SUITE 368 WALL TOWNSHIP, NJ 07719 | STANDARD INSURANCE COMPANY | $0 | $3K | $3K | 5.64% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE AUGUSTA, ME 04330 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 18.55% |
| CROSS BENEFIT SOLUTIONS3 | 2367 CONGRESS STREET PORTLAND, ME 04102 | ANTHEM LIFE INSURANCE COMPANY | $2K | $0 | $2K | 12.71% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES LLC | 1933 STATE ROUTE 35, SUITE 368 WALL TOWNSHIP, NJ 07719 | ANTHEM LIFE INSURANCE COMPANY | $0 | $924 | $924 | 5.10% |
| CROSS BENEFIT SOLUTIONS3 | 2367 CONGRESS STREET PORTLAND, ME 04102 | ANTHEM HEALTH PLANS OF MAINE, INC. | $712 | $68 | $780 | 11.06% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES LLC | 1933 STATE ROUTE 35, SUITE 368 WALL TOWNSHIP, NJ 07719 | ANTHEM HEALTH PLANS OF MAINE, INC. | $0 | $356 | $356 | 5.05% |
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 | 181 | 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) | 181 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HARVARD PILGRIM HEALTH CARE | 139 | $864K |
| Dental | DELTA DENTAL PLAN OF MAINE | 133 | $72K |
| Vision | ANTHEM HEALTH PLANS OF MAINE, INC. | 113 | $7K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 192 | $65K |
| Short-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 192 | $65K |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 192 | $65K |
| Prescription drug | HARVARD PILGRIM HEALTH CARE | 139 | $864K |
| Other(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 192 | $86K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 192 | — |
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.