Form 5500 · Employee benefit plan · ELLSWORTH, ME
BAR HARBOR BANK & TRUST
BAR HARBOR BANK & TRUST of ELLSWORTH, ME is a 476-participant finance and insurance employer whose group benefits are disclosed in its annual Form 5500 filing. Its broker of record is CROSS INSURANCE, INC.. Coverage is written through CIGNA HEALTH AND LIFE INSURANCE COMPANY and 3 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 01-0393663 · plan 504 · as of Aug 2026
Plan brief
Schedule A lists 9 insured contracts covering health, dental, vision, life and disability; the largest, with CIGNA HEALTH AND LIFE INSURANCE COMPANY, covers 675 people.
Reported premium across the insured contracts is $6,082,733, with $7,387 in disclosed broker commissions — about 0.1% of premium.
The most recent policy period ended in December, and the plan year ends December 31. Group contracts typically renew on that annual cycle.
CROSS INSURANCE, INC. is the broker of record on 6 of the 9 contracts; the rest name a different broker or none.
4 carriers appear on the filing — CIGNA HEALTH AND LIFE INSURANCE COMPANY, UNUM LIFE INSURANCE COMPANY OF AMERICA, UNUM INSURANCE COMPANY and HARTFORD LIFE AND ACCIDENT — with CIGNA HEALTH AND LIFE INSURANCE COMPANY writing the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| UNUM INSURANCE COMPANY | — | 118 | December | $20,297 | $3,051 |
| UNUM INSURANCE COMPANY | — | 84 | December | $14,518 | $2,189 |
| UNUM INSURANCE COMPANY | — | 125 | December | $14,270 | $2,147 |
| UNUM LIFE INSURANCE COMPANY OF AMERICA | Life | 449 | December | $129,710 | $0 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | Health, Vision | 675 | December | $5,413,643 | $0 |
| UNUM LIFE INSURANCE COMPANY OF AMERICA | Disability | 576 | December | $88,547 | $0 |
| UNUM LIFE INSURANCE COMPANY OF AMERICA | Life | 188 | December | $79,338 | $0 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | Dental | 356 | December | $311,272 | $0 |
| HARTFORD LIFE AND ACCIDENT | — | 128 | December | $11,138 | $0 |
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