| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MFIT MAINE FINANCIAL INST INS3 | 489 CONGRESS ST PORTLAND, ME 04101 | DELTA DENTAL PLAN OF MAINE | $28K | — | $28K | 1.99% |
| COMMUNITY BANKS INSURANCE AGENCY3 | 2 THOMAS DR WESTBROOK, ME 04092 | ANTHEM HEALTH PLANS OF MAINE, INC. | $23K | — | $23K | 1.69% |
| COMMUNITY BANKS INSURANCE AGENCY3 | 489 CONGRESS ST PORTLAND, ME 04101 | DELTA DENTAL PLAN OF MAINE | $8K | — | $8K | 2.07% |
| MFIT MAINE FINANCIAL INST INS3 | 489 CONGRESS ST PORTLAND, ME 04101 | DELTA DENTAL PLAN OF MAINE | $8K | — | $8K | 1.98% |
| COMMUNITY BANKS INSURANCE AGENCY3 | 489 CONGRESS ST PORTLAND, ME 04101 | ANTHEM BLUE CROSS BLUE SHIELD | $4K | — | $4K | 2.12% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM HEALTH PLANS OF MAINE, INC. EIN 31-1705652 SERVICE PROVIDER | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Float revenue; Claims processing; Other services Service code 12 | — | $1.7M |
| MAINE BANKERS ASSOCIATION EIN 01-0155360 PLAN SPONSOR | Contract Administrator Service code 13 | — | $682K |
| TRACEY ALLEN, LLC EIN 26-3779243 SERVICE PROVIDER | Consulting (general) Service code 16 | — | $644K |
| BUSINESS SOLVER EIN 42-1503807 SERVICE PROVIDER | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $116K |
| BERRYDUNN EIN 01-0391345 PROFESSIONAL SERVICES | Accounting (including auditing) Service code 10 | — | $40K |
| COMPASS HEALTH ANALYTICS EIN 04-3375139 SERVICE PROVIDER | Consulting (general) Service code 16 | — | $19K |
| ADP, INC. EIN 22-3339704 SERVICE PROVIDER | Contract Administrator Service code 13 | — | $13K |
| ASSOCIATION SERVICES, INC. EIN 01-0507289 AFFILIATE OF PLAN SPONSOR | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $10K |
| EXPRESS SCRIPTS, INC. EIN 31-1714795 SERVICE PROVIDER | Claims processing; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue Service code 12 | — | $0 |
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 | 2,765 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 287 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 3,052 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF MAINE, INC. | 8,880 | $1.6M |
| Dental(2 contracts) | DELTA DENTAL PLAN OF MAINE | 3,737 | $1.8M |
| Vision | ANTHEM HEALTH PLANS OF MAINE, INC. | 8,880 | $1.4M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,982 | $1.5M |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,982 | $1.6M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,982 | $1.5M |
| Prescription drug | ANTHEM BLUE CROSS BLUE SHIELD | 112 | $191K |
| Stop-loss / reinsurancereinsurance | ANTHEM HEALTH PLANS OF MAINE, INC. | 8,880 | $1.4M |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,982 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,880 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.