| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MEABT2 | 35 COMMUNITY DRIVE AUGUSTA, ME 04330 | ANTHEM BLUE CROSS BLUE SHIELD | — | $3.2M | $3.2M | 0.71% |
| HOLDEN AGENCY4 Filed as: THE HOLDEN AGENCY | PO BOX 10610 PORTLAND, ME 04102 | ANTHEM BLUE CROSS BLUE SHIELD | — | $120K | $120K | 0.03% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MAINE EDUCATION ASSSOCIATION EIN 01-0114035 ADMINISTRATIVE SERVICES | Contract Administrator Service code 13 | 35 COMMUNITY DRIVE AUGUSTA, ME 04330 | $1.0M |
| EATON PEABODY ATTORNEYS AT LAW EIN 01-0373027 ATTORNEY | Legal Service code 29 | ONE PORTLAND SQUARE, 7TH FLOOR PORTLAND, ME 041125235 | $146K |
| CHRISTINE BURKE EIN 01-0479776 EMPLOYEE | Plan Administrator Service code 14 | 35 COMMUNITY DRIVE AUGUSTA, ME 04330 | $143K |
| LINDA WELCH EIN 01-0479776 EMPLOYEE | Employee (plan) Service code 30 | 35 COMMUNITY DRIVE AUGUSTA, ME 04330 | $97K |
| LYNN ANDREASEN EIN 01-0479776 EMPLOYEE | Employee (plan) Service code 30 | 35 COMMUNITY DRIVE AUGUSTA, ME 04330 | $65K |
| SHARON BEAULIEU EIN 01-0479776 EMPLOYEE | Employee (plan) Service code 30 | 35 COMMUNITY DRIVE AUGUSTA, ME 04330 | $59K |
| COMPASS HEALTH ANALYTICTS EIN 04-3375139 CONSULTANT | Actuarial Service code 11 | 254 COMMERCIAL STREET PORTLAND, ME 04101 | $26K |
| REBECCA MANGIN EIN 01-0479776 EMPLOYEE | Employee (plan) Service code 30 | 35 COMMUNITY DRIVE AUGUSTA, ME 04330 | $22K |
| KATRINA OKISHOFF EIN 01-0479776 EMPLOYEE | Employee (plan) Service code 30 | 35 COMMUNITY DRIVE AUGUSTA, ME 04330 | $22K |
| HM PAYSON EIN 01-0420707 CONSULTANT | Investment management Service code 28 | ONE PORTLAND SQUARE PORTLAND, ME 04101 | $21K |
| KELLY ACTUARIAL CONSULTING LLC EIN 45-4924352 CONSULTANT | Consulting (general) Service code 16 | 64 KINGSMARK LN PORTLAND, ME 04102 | $19K |
| MACPAGE LLC EIN 01-0242373 ACCOUNTANT | Accounting (including auditing) Service code 10 | ONE MARKET SQUARE AUGUSTA, ME 04330 | $11K |
| WAKELIN, HALLOCK & O'DONOVAN EIN 01-0409023 ATTORNEY | Legal Service code 29 | 57 EXCHANGE STREET PORTLAND, ME 04101 | $10K |
| SALLY NICHOL EIN 01-0479776 EMPLOYEE | Employee (plan) Service code 30 | 35 COMMUNITY DRIVE AUGUSTA, ME 04330 | $7K |
| HARBOR INVESTMENT ADVISORS EIN 01-0515122 CONSULTANT | Consulting (pension) Service code 17 | 75 WATSON STREET PORTLAND, ME 04103 | $6K |
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 | 25,434 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11,398 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 36,832 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | ANTHEM BLUE CROSS BLUE SHIELD | 37,004 | $452.4M |
| Prescription drug | ANTHEM BLUE CROSS BLUE SHIELD | 37,004 | $452.4M |
| Other | ANTHEM BLUE CROSS BLUE SHIELD | 2 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 37,004 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.