| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WOODROW W CROSS AGENCY3 | 74 GILMAN ROAD BANGOR, ME 04401 | ANTHEM HEALTH PLANS OF MAINE, INC. | $148K | — | $148K | 137.73% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM BLUE CROSS AND BLUE SHIELD EIN 31-1705652 CLAIMS ADMINISTRATOR | Claims processing Service code 12 | 2 GANNETT DRIVE PORTLAND, ME 041066911 | $1.9M |
| MAINE AUTOMOBILE DEALERS ASSOCIATIO EIN 01-0191203 PARTY-IN-INTEREST | Plan Administrator Service code 14 | PO BOX 2667 AUGUSTA, ME 043382667 | $158K |
| GROUP DYNAMIC EIN 01-0453342 SEC 125 CONTRACT ADMIN | Contract Administrator Service code 13 | 411 US ROUTE 1 FALLMOUTH, ME 04105 | $151K |
| RUBENSTEIN ACTUARIAL SERVICES LLC ACTUARIAL | Actuarial Service code 11 | 61 SUMMIT AVE SHARON, MA 02067 | $40K |
| RM DAVIS EIN 01-0356657 INVESTMENT ADVISOR | Investment advisory (plan) Service code 27 | PO BOX 9546 PORTLAND, ME 041129546 | $37K |
| WIPFLI LLP EIN 39-0758499 ACCOUNTANT | Accounting (including auditing) Service code 10 | 11 SCOTT STREET STE 400 WAUSAU, WI 544039026 | $31K |
| PRETI, FLAHERTY BELIVEAU & PACHIOS EIN 01-0502585 LEGAL | Legal Service code 29 | PO BOX 9546 PORTLAND, ME 041129546 | $25K |
| RICHARD DEPATIE EIN 04-1260706 CONSULTANT | Consulting (general) Service code 16 | 569 WEED STREET NEW CANAAN, CT 06840 | $18K |
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 | 3,198 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 43 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,241 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | ANTHEM HEALTH PLANS OF MAINE, INC. | 2,290 | $108K |
| Life insurance(3 contracts) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 2,655 | $618K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 2,655 | $308K |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 3,202 | $395K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,202 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.