| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE TRUST1 | PO BOX 1338 PORTLAND, ME 04104 | ANTHEM HEALTH PLANS OF MAINE, INC. | $29K | — | $29K | 6.65% |
| CU INSURANCE SOLUTIONS, LLC1 | PO BOX 1338 PORTLAND, ME 04104 | ANTHEM HEALTH PLANS OF MAINE, INC. | $3K | — | $3K | 0.66% |
| INSURANCE TRUST1 | PO BOX 1338 PORTLAND, ME 04104 | ANTHEM HEALTH PLANS OF MAINE, INC. | $55K | — | $55K | 20.56% |
| CU INSURANCE SOLUTIONS, LLC1 | PO BOX 1338 PORTLAND, ME 04104 | ANTHEM HEALTH PLANS OF MAINE, INC. | $11K | — | $11K | 4.15% |
| CU INSURANCE SOLUTIONS, LLC1 | 2 LEDGEVIEW DRIVE WESTBROOK, ME 04092 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $653 | — | $653 | 14.03% |
| INSURANCE TRUST1 | 2 LEDGEVIEW DRIVE WESTBROOK, ME 04092 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $45 | — | $45 | 0.97% |
| CU INSURANCE SOLUTIONS, LLC1 | 2 LEDGEVIEW DRIVE WESTBROOK, ME 04092 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $40 | — | $40 | 2.11% |
| INSURANCE TRUST1 | 2 LEDGEVIEW DRIVE WESTBROOK, ME 04092 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $20 | — | $20 | 1.06% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM HEALTH PLANS OF MAINE, INC. EIN 31-1705652 | Float revenue; Contract Administrator; Claims processing; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $571K |
| INGENIORX, INC. EIN 82-3062245 | Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Claims processing; Contract Administrator Service code 12 | — | -$140K |
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 | 723 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 725 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | ANTHEM HEALTH PLANS OF MAINE, INC. | 500 | $442K |
| Vision | ANTHEM HEALTH PLANS OF MAINE, INC. | 500 | $442K |
| Life insurance(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF MAINE, INC. | 508 | $268K |
| Short-term disability | ANTHEM HEALTH PLANS OF MAINE, INC. | 508 | $266K |
| Long-term disability(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF MAINE, INC. | 508 | $271K |
| Stop-loss / reinsurancereinsurance | ANTHEM HEALTH PLANS OF MAINE, INC. | 771 | $511K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 38 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 771 | — |
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.
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.