| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROSS BENEFIT SOLUTIONS3 | 2367 CONGRESS STREET PORTLAND, ME 04102 | HPHC INSURANCE COMPANY | $46K | — | $46K | 3.57% |
| CROSS BENEFIT SOLUTIONS3 Filed as: CROSS FINANCIAL INSURANCE | 2331 CONGRESS ST. PORTLAND, ME 04103 | HPHC INSURANCE COMPANY | $12K | — | $12K | 0.95% |
| CROSS BENEFIT SOLUTIONS3 | 2367 CONGRESS STREET PORTLAND, ME 04102 | HPHC INSURANCE COMPANY | $7K | — | $7K | 4.19% |
| CROSS BENEFIT SOLUTIONS3 Filed as: CROSS FINANCIAL INSURANCE | 2331 CONGRESS ST. PORTLAND, ME 04103 | HPHC INSURANCE COMPANY | $2K | — | $2K | 1.11% |
| CROSS BENEFIT SOLUTIONS3 | 2367 CONGRESS STREET PORTLAND, ME 04102 | ANTHEM HEALTH PLANS OF MAINE | $4K | $1K | $5K | 5.91% |
| CROSS BENEFIT SOLUTIONS3 | 2367 CONGRESS STREET PORTLAND, ME 04102 | ANTHEM LIFE INSURANCE COMPANY | $5K | $327 | $5K | 14.94% |
| CROSS BENEFIT SOLUTIONS3 | 2367 CONGRESS STREET PORTLAND, ME 04102 | HPHC INSURANCE COMPANY | $350 | — | $350 | 4.17% |
| CROSS BENEFIT SOLUTIONS3 Filed as: CROSS FINANCIAL INSURANCE | 2331 CONGRESS ST. PORTLAND, ME 04103 | HPHC INSURANCE COMPANY | $93 | — | $93 | 1.11% |
| CROSS BENEFIT SOLUTIONS3 | 2367 CONGRESS STREET PORTLAND, ME 04102 | HPHC INSURANCE COMPANY | $116 | — | $116 | 4.54% |
| CROSS BENEFIT SOLUTIONS3 Filed as: CROSS FINANCIAL INSURANCE | 2331 CONGRESS ST. PORTLAND, ME 04103 | HPHC INSURANCE COMPANY | $31 | — | $31 | 1.21% |
| CROSS BENEFIT SOLUTIONS3 | 2367 CONGRESS STREET PORTLAND, ME 04102 | HPHC INSURANCE COMPANY | $87 | — | $87 | 4.83% |
| CROSS BENEFIT SOLUTIONS3 Filed as: CROSS FINANCIAL INSURANCE | 2331 CONGRESS ST. PORTLAND, ME 04103 | HPHC INSURANCE COMPANY | $23 | — | $23 | 1.28% |
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 | 255 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 255 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts) | HPHC INSURANCE COMPANY | 168 | $1.5M |
| Dental | ANTHEM HEALTH PLANS OF MAINE | 237 | $91K |
| Vision | ANTHEM HEALTH PLANS OF MAINE | 237 | $91K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 255 | $34K |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY | 255 | $34K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 255 | $34K |
| Other | ANTHEM LIFE INSURANCE COMPANY | 255 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 255 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.