Welfare broker

CROSS BENEFIT SOLUTIONS

Mailing address (most recent filing)

116 COMMUNITY DR

AUGUSTA, ME 043320469

Total comp: $4.7M
Commissions: $3.9M
Fees: $828K
Filings: 198
Sponsors: 198

Carrier mix

Where CROSS BENEFIT SOLUTIONS places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

HARVARD PILGRIM HEALTH CARE28.3%
STANDARD INSURANCE COMPANY18.9%
CIGNA HEALTH AND LIFE INSURANCE COMPANY9.4%
PRINCIPAL LIFE INSURANCE COMPANY7.5%
THE LINCOLN NATIONAL LIFE INSURANCE COMPANY7.5%
UNITEDHEALTHCARE INSURANCE COMPANY5.7%
METROPOLITAN LIFE INSURANCE COMPANY5.7%
DELTA DENTAL OF CALIFORNIA5.7%
Other (2)11.3%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
HARVARD PILGRIM HEALTH CARE	15	$29.6M	28.3%
STANDARD INSURANCE COMPANY	10	$2.4M	18.9%
CIGNA HEALTH AND LIFE INSURANCE COMPANY	5	$4.1M	9.4%
PRINCIPAL LIFE INSURANCE COMPANY	4	$545K	7.5%
THE LINCOLN NATIONAL LIFE INSURANCE COMPANY	4	$156K	7.5%
UNITEDHEALTHCARE INSURANCE COMPANY	3	$6.8M	5.7%
METROPOLITAN LIFE INSURANCE COMPANY	3	$1.2M	5.7%
DELTA DENTAL OF CALIFORNIA	3	$4.9M	5.7%
ANTHEM LIFE INSURANCE COMPANY	3	$10.6M	5.7%
AETNA LIFE INSURANCE COMPANY	3	$2.5M	5.7%

Top states · with penetration index

Plan count by state. Index > 1.0means over-indexed vs the broker's national share.

State	Plans	Premium	State share	Index
ME	42	$57.1M	10.8%	185.72x
VT	9	$2.0M	3.7%	63.09x
MA	8	$8.3M	0.3%	5.52x
NH	6	$3.3M	1.5%	25.30x
IN	1	$98K	0.0%	0.51x
CT	1	$1.7M	0.1%	1.55x

Top industries by premium

NAICS-2 sectors where this broker places the most welfare premium.

Sponsor-size mix

Plan count by total participants. Reveals whether this broker is a mid-market player or jumbo-employer specialist.

Broker compensation as % of premium

Distribution of CROSS BENEFIT SOLUTIONS's plans by broker comp / premium ratio. Median 5.82% vs welfare-wide median 6.29% (n=65).

Prospect-flag exposure · vs market baseline

Share of CROSS BENEFIT SOLUTIONS's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

51-67 of 67 sponsors where CROSS BENEFIT SOLUTIONS is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
LAKE CHAMPLAIN TRANSPORTATION CO LAKE CHAMPLAIN TRANSPORTATION COMPANY	VT	$90K	$12K	PRINCIPAL LIFE INSURANCE COMPANY
OHI OHI WELFARE BENEFITS - LIFE	ME	$19K	$10K	UNUM LIFE INSURANCE COMPANY OF AMERICA
ADIMAB, LLC ADIMAB, LLC EMPLOYEE BENEFITS PLAN DENTAL	NH	$169K	$9K	DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC.
GORDINI USA, INC. GORDINI USA INC	VT	$42K	$6K	HARTFORD LIFE AND ACCIDENT
J.S. MCCARTHY CO., INC. J.S. MCCARTHY LIFE AND LTD PLAN	ME	$67K	$6K	THE LINCOLN NATIONAL LIFE INSURANCE COMPANY
LETTER SYSTEMS, INC. LETTER SYSTEMS, INC. WELFARE BENEFIT PLAN	ME	$162K	$6K	AETNA
HAMILTON MARINE, INC. HAMILTON MARINE, INC. WELFARE BENEFITS PLAN LTD	ME	$23K	$5K	STANDARD LIFE INSURANCE COMPANY
ADIMAB, LLC ADIMAB, LLC EMPLOYEE BENEFITS PLAN HEALTH	NH	$2.1M	$4K	HARVARD PILGRIM HEALTH CARE OF NE, INC.
EMPLOYMENT SPECIALISTS OF MAINE, INC EMPLOYMENT SPECIALISTS OF MAINE, INC ESM GROUP DENTAL PLAN	ME	$71K	$4K	CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES
OHI OHI WELFARE BENEFITS - DENTAL	ME	$14K	$3K	DELTA DENTAL PLAN OF MAINE
WHITE HOUSE MOTEL LAFAYETTE HOTELS CONSOLIDATED WELFARE PLAN	ME	$69K	$2K	TRANSAMERICA LIFE INSURANCE COMPANY
HOSPITALITY HEALTH, LLC HOSPITALITY HEALTH, LLC FLEXIBLE BENEFIT PLAN	ME	$71K	$2K	STANDARD INSURANCE COMPANY
HARDWOOD PRODUCTS COMPANY LLC DELTA VISION - RED TREE	ME	$6K	$2K	STANDARD INSURANCE COMPANY
ADIMAB, LLC ADIMAB, LLC EMPLOYEE BENEFITS PLAN VISION	NH	$10K	$1K	RED TREE INSURANCE COMPANY, INC.
FIELDING'S OIL & PROPANE CO., INC. FIELDINGS OIL & PROPANE WELFARE BENEFITS PLAN	ME	$5K	$1K	THE LINCOLN NATIONAL LIFE INSURANCE COMPANY
MAINE EPM, LLC LINCOLN NATIONAL LIFE INSURANCE COMPANY	ME	$2K	$454	LINCOLN FINANCIAL GROUP
AMERICAN POSTAL WORKERS ACCIDENT BENEFIT ASSOCIATION AMERICAN POSTAL WORKERS ACCIDENT BENEFIT ASSOCIATI	NH	$98K	$0	SUN LIFE ASSURANCE COMPANY OF CANADA