| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MAINE ENERGY MARKETERS ASSOC INS TR2 | 25 GREENWOOD ROAD BRUNSWICK, ME 04011 | ANTHEM HEALTH PLANS OF MAINE, INC | $101K | — | $101K | 2.98% |
| NATIONAL WORKSITE BENEFIT GROUP3 Filed as: NATIONAL WORKSITE BENEFIT GROUP INC | 6 EAST CHESTNUT STREET, STE 520 AUGUSTA, ME 04330 | ANTHEM HEALTH PLANS OF MAINE, INC | $37K | — | $37K | 1.08% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | PO BOX 62937 VIRGINA BEACH, VA 23466 | ANTHEM HEALTH PLANS OF MAINE, INC | $27K | — | $27K | 0.81% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SOLUTIONS | 75 JOHN ROBERTS ROAD SOUTH PORTLAND, ME 04106 | ANTHEM HEALTH PLANS OF MAINE, INC | $12K | — | $12K | 0.34% |
| MEMA EMPLOYEE BENEFIT PLAN2 | 25 GREENWOOD ROAD BRUNSWICK, ME 04011 | DELTA DENTAL PLAN OF MAINE | $12K | — | $12K | 4.38% |
| NATIONAL WORKSITE BENEFIT GROUP3 Filed as: NATIONAL WORKSITE BENEFIT GROUP INC | 47 WATER ST, STE 102 HALLOWELL, ME 04347 | DELTA DENTAL PLAN OF MAINE | $8K | — | $8K | 2.77% |
| COMBINED SERVICES LLC3 | P.O. BOX 1320 CONCORD, NH 033021320 | DELTA DENTAL PLAN OF MAINE | $2K | — | $2K | 0.62% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINA BEACH, VA 23466 | DELTA DENTAL PLAN OF MAINE | $1K | — | $1K | 0.52% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | PO BOX 62937 VIRGINA BEACH, VA 23466 | ANTHEM LIFE INSURANCE COMPANY | $6K | — | $6K | 14.84% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MAINE ENERGY MARKETERS ASSOCIATION EIN 01-0239259 ADMINISTRATOR | Plan Administrator Service code 14 | 25 GREENWOOD ROAD BRUNSWICK, ME 040110249 | $43K |
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 | 1,297 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,297 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL PLAN OF MAINE | 764 | $279K |
| Vision | ANTHEM HEALTH PLANS OF MAINE, INC | 533 | $3.4M |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 673 | $39K |
| Other | ANTHEM LIFE INSURANCE COMPANY | 673 | $39K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 764 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
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.