| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROSS BENEFIT SOLUTIONS3 | 491 MAIN STREET BANGOR, ME 04401 | STANDARD INSURANCE COMPANY | $4K | $6K | $11K | 11.82% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R. NELLIGAN AND ASSOC, LLC. | 1933 STATE ROUTE 35 SUITE 368 WALL, NJ 07719 | STANDARD INSURANCE COMPANY | $4K | $5K | $10K | 10.59% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND NOYES, LLC. | 14090 SOUTHWEST FREEWAY SUITE 200 SUGAR LAND, TX 77478 | STANDARD INSURANCE COMPANY | $4K | $0 | $4K | 3.93% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE AUGUSTA, ME 04332 | DELTA DENTAL PLAN OF MAINE | $2K | $0 | $2K | 2.72% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND NOYES, LLC. | 3151 BRIARPARK DRIVE SUITE 1220 HOUSTON, TX 77042 | DELTA DENTAL PLAN OF MAINE | $2K | $0 | $2K | 2.55% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES, LLC. | PO BOX 1320 CONCORD, NH 03302 | DELTA DENTAL PLAN OF MAINE | $671 | $0 | $671 | 0.99% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND NOYES, LLC. | 3151 BRIARPARK DRIVE SUITE 1220 HOUSTON, TX 77042 | RED TREE INSURANCE COMPANY INC | $415 | $0 | $415 | 5.03% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE AUGUSTA, ME 04332 | RED TREE INSURANCE COMPANY INC | $409 | $0 | $409 | 4.95% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES, LLC. | PO BOX 1320 CONCORD, NH 03302 | RED TREE INSURANCE COMPANY INC | $124 | $0 | $124 | 1.50% |
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 | 111 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | 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 |
|---|---|---|---|
| Dental | DELTA DENTAL PLAN OF MAINE | 152 | $68K |
| Vision | RED TREE INSURANCE COMPANY INC | 134 | $8K |
| Life insurance | STANDARD INSURANCE COMPANY | 128 | $90K |
| Short-term disability | STANDARD INSURANCE COMPANY | 128 | $90K |
| Long-term disability | STANDARD INSURANCE COMPANY | 128 | $90K |
| Other | STANDARD INSURANCE COMPANY | 128 | $90K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 152 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.