Filings through .
History & trajectory Charts need 2 or more years. This plan has 10 years on file. Pro shows premium, premium per covered life, covered lives and carrier and broker share for every year.
See pricingBroker comp is under 1% of premium on a plan over $1M. The plan may have no broker or pay a flat fee. Consultants can pitch it.
The filing reports zero broker compensation on a plan over 100 participants. The plan likely buys direct or does not report its broker. Give it a call.
Multiple-employer welfare arrangement. It has its own regulatory and compliance rules.
The Schedule A insurance contracts show who carries the risk, for which benefits and for how many people.
| Carrier | Coverage | Premium |
|---|---|---|
LifeSTD | LifeSTD | |
DentalVisionStop-loss | DentalVisionStop-loss |
Premium, covered lives, retention, contract number and renewal month for each carrier are on Pro.
See premium, retention and renewal dates for 5 contracts with Pro. Pro is free for 7 days and then costs $49 a month.
These benefits are declared on the Form 5500 main form. A ✓ means the benefit also has a Schedule A insurance contract. Without one, plan assets or a Schedule C TPA fund the benefit.
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 2,770 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 18 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,788 | Active, retired or separated, and beneficiaries. Dependents are not counted. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | ANTHEM HEALTH PLANS OF MAINE, INC. | 2,849 | $642K |
| Vision | ANTHEM HEALTH PLANS OF MAINE, INC. | 2,849 | $642K |
| Life insurance(3 contracts) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 2,191 | $586K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 2,191 | $372K |
| Stop-loss / reinsurancereinsurance | ANTHEM HEALTH PLANS OF MAINE, INC. | 2,849 | $642K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,849 | - |
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 instead of this filer's headcount. We show the row, but it does not count the people in this plan.
Brokers paid through Schedule A and service providers paid through Schedule C.
No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM HEALTH PLANS OF MAINE, INC. EIN 31-1705652 CLAIMS ADMINISTRATOR | Claims processing Service code 12 | 2 GANNETT DRIVE PORTLAND, ME 041066911 | $3.8M |
| CROSS INSURANCE INC NONE | Other commissions; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | MAINE 74 GILMAN ROAD BANGOR, ME 04401 | $304K |
| MAINE AUTOMOBILE DEALERS ASSOCIATIO EIN 01-0191203 PARTY-IN-INTEREST | Plan Administrator Service code 14 | PO BOX 2667 AUGUSTA, ME 043382667 | $153K |
| FLORES & ASSOCIATES LLC CONSULTANT | Consulting (general) Service code 16 | 2013 W MOREHEAD ST. SUITE B CHARLOTTE, NC 28208 | $138K |
| CROSS BENEFIT SOLUTIONS NONE | Non-monetary compensation; Other commissions; Insurance agents and brokers Service code 22 | 2367 CONGRESS STREET PORTLAND, ME 04102 | $130K |
| RUBENSTEIN ACTUARIAL SERVICES LLC ACTUARIAL | Actuarial Service code 11 | 61 SUMMIT AVE SHARON, MA 02067 | $52K |
| RM DAVIS EIN 01-0356657 INVESTMENT ADVISOR | Investment advisory (plan) Service code 27 | PO BOX 9546 PORTLAND, ME 041129546 | $48K |
| PRETI, FLAHERTY BELIVEAU & PACHIOS EIN 01-0502585 LEGAL | Legal Service code 29 | PO BOX 9546 PORTLAND, ME 041129546 | $32K |
| WIPFLI EIN 39-0758499 ACCOUNTANT | Accounting (including auditing) Service code 10 | 11 SCOTT STREET STE 400 WAUSAU, WI 544039026 | $28K |
| RICHARD DEPATIE EIN 04-1260706 CONSULTANT | Consulting (general) Service code 16 | 569 WEED STREET NEW CANAAN, CT 06840 | $18K |
This section shows how the plan is funded and what that means for risk.
Welfare charges, retention and retention rate (the carrier margin on this plan) are on Pro.
2 contacts
10 filings · 2016 to 2025