| Metric | This plan | Peer median | Peer avg | vs. peer |
|---|---|---|---|---|
| Premium per covered life | $14K | $564 | $2K | +2350.1% |
| Broker comp per covered life | $100 | $7 | $38 | +1388.5% |
| Broker comp % of premium | 0.7% | 1.3% | 4.9% | -0.6 pp |
| Retention rate | 9.2% | 0.0% | 3.4% | |
| Premium YoY % | -48.3% | 0.7% | 93.0% | -48.9 pp |
| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MEABT0 | 35 COMMUNITY DRIVE AUGUSTA, ME 04330 | ANTHEM HEALTH PLANS OF MAINE, INC. | $0 | $3.7M | $3.7M | 0.71% |
| CROSS BENEFIT SOLUTIONS4 | 2367 CONGRESS STREET PORTLAND, ME 04102 | ANTHEM HEALTH PLANS OF MAINE, INC. | $0 | $120K | $120K | 0.02% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MAINE EDUCATION ASSOCIATION EIN 01-0114035 ADMINISTRATIVE SERVICES | Contract Administrator Service code 13 | 35 COMMUNITY DRIVE AUGUSTA, ME 04330 | $871K |
| MDX MEDICAL, INC. EIN 26-3441881 CONSULTANT | Consulting (general) Service code 16 | 160 CHUBB AVENUE, SUITE 301 LYNDHURTS, NJ 07071 | $241K |
| EATON PEABODY ATTORNEYS AT LAW EIN 01-0373027 ATTORNEY | Legal Service code 29 | ONE PORTLAND SQUARE, 7TH FLOOR PORTLAND, ME 041125235 | $161K |
| JENNIFER KENT EIN 01-0479776 EMPLOYEE | Plan Administrator Service code 14 | 35 COMMUNITY DRIVE AUGUSTA, ME 04330 | $143K |
| MICHAEL BOOTH EIN 01-0479776 EMPLOYEE | Employee (plan) Service code 30 | 35 COMMUNITY DRIVE AUGUSTA, ME 04330 | $90K |
| CHEIRON, INC CONSULTANT | Consulting (general) Service code 16 | 8300 GREENSBORO DRIVE, SUITE 800 MCLEAN, VA 22102 | $85K |
| LYNN ANDREASEN EIN 01-0479776 EMPLOYEE | Employee (plan) Service code 30 | 35 COMMUNITY DRIVE AUGUSTA, ME 04330 | $72K |
| SHARON BEAULIEU EIN 01-0479776 EMPLOYEE | Employee (plan) Service code 30 | 35 COMMUNITY DRIVE AUGUSTA, ME 04330 | $66K |
| BERRY DUNN MCNEIL & PARKER LLC EIN 01-0523282 CONSULTANT | Consulting (general) Service code 16 | 100 MIDDLE STREET, SUITE 5 PORTLAND, ME 04101 | $51K |
| CARIBOU SYSTEMS CONSULTANT | Consulting (general) Service code 16 | 398 W ARMY TRAIL RD, SUITE 124 MAILBOX #306 BLOOMINGDALE, IL 601085606 | $43K |
| WIPFLI LLP EIN 39-0758449 ACCOUNTANT | Accounting (including auditing) Service code 10 | PO BOX 8010 WAUSAU, WI 544028010 | $30K |
| HM PAYSON EIN 01-0420707 CONSULTANT | Investment management Service code 28 | ONE PORTLAND SQUARE PORTLAND, ME 04101 | $29K |
| KATRINA OKISHOFF EIN 01-0479776 EMPLOYEE | Employee (plan) Service code 30 | 35 COMMUNITY DRIVE AUGUSTA, ME 04330 | $28K |
| REBECCA MANGIN EIN 01-0479776 EMPLOYEE | Employee (plan) Service code 30 | 35 COMMUNITY DRIVE AUGUSTA, ME 04330 | $24K |
| ANTHEM, INC. EIN 35-2145715 CONSULTANT | Consulting (general) Service code 16 | 220 VIRGINIA AVENUE INDIANAPOLIS, IN 46204 | $8K |
| CROSS BENEFIT SOLUTIONS EIN 01-0508976 CONSULTANT | Consulting (general) Service code 16 | PO BOX 1388 BANGOR, MD 04402 | $6K |
| HARBOR INVESTMENT ADVISORS EIN 01-0515122 CONSULTANT | Consulting (general) Service code 16 | 22 MONUMENT SQ #401 PORTLAND, ME 04101 | $5K |
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 | 26,708 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12,328 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 39,036 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF MAINE, INC. | 38,239 | $526.3M |
| Vision | ANTHEM HEALTH PLANS OF MAINE, INC. | 29,315 | $2.6M |
| Prescription drug | ANTHEM HEALTH PLANS OF MAINE, INC. | 38,239 | $526.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 38,239 | — |
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.