| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CU INSURANCE SOLUTIONS, LLC1 | PO BOX 1338 PORTLAND, ME 04104 | ANTHEM HEALTH PLANS OF MAINE, INC. | $39K | — | $39K | 3.74% |
| INSURANCE TRUST1 | PO BOX 1338 PORTLAND, ME 04104 | ANTHEM HEALTH PLANS OF MAINE, INC. | $21 | — | $21 | 0.00% |
| CU INSURANCE SOLUTIONS, LLC1 | PO BOX 1338 PORTLAND, ME 04104 | ANTHEM HEALTH PLANS OF MAINE, INC. | $69K | — | $69K | 25.30% |
| CU INSURANCE SOLUTIONS, LLC1 | 2 LEDGEVIEW DRIVE WESTBROOK, ME 040923939 | THE STANDARD - ANTHEM LIFE INSURANCE COMPANY | $53K | — | $53K | 24.96% |
| CU INSURANCE SOLUTIONS, LLC1 | 2 LEDGEVIEW DRIVE WESTBROOK, ME 04092 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 7.90% |
| INSURANCE TRUST1 | 2 LEDGEVIEW DRIVE WESTBROOK, ME 04092 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $332 | — | $332 | 1.56% |
| COMBINED SERVICES LLC1 | SUITE 301 TWO DELTA DRIVE CONCORD, NH 03301 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $92 | — | $92 | 0.43% |
| CU INSURANCE SOLUTIONS, LLC1 | 2 LEDGEVIEW DRIVE WESTBROOK, ME 04092 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $977 | — | $977 | 14.70% |
| INSURANCE TRUST1 | 2 LEDGEVIEW DRIVE WESTBROOK, ME 04092 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $119 | — | $119 | 2.96% |
| COMBINED SERVICES LLC3 | SUITE 301 TWO DELTA DRIVE CONCORD, NH 03301 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $97 | — | $97 | 2.41% |
| CU INSURANCE SOLUTIONS, LLC1 | 2 LEDGEVIEW DRIVE WESTBROOK, ME 04092 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $350 | — | $350 | 13.61% |
| CU INSURANCE SOLUTIONS, LLC1 | 2 LEDGEVIEW DRIVE WESTBROOK, ME 04092 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $40 | — | $40 | 2.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM HEALTH PLANS OF MAINE, INC. EIN 31-1705652 | Float revenue; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Contract Administrator Service code 12 | — | $360K |
| INGENIORX, INC. EIN 82-3062245 | Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Contract Administrator; Claims processing Service code 12 | — | $0 |
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 | 1,038 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,042 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | ANTHEM HEALTH PLANS OF MAINE, INC. | 627 | $1.0M |
| Vision | ANTHEM HEALTH PLANS OF MAINE, INC. | 627 | $1.0M |
| Life insurance(5 contracts, 4 carriers) | ANTHEM HEALTH PLANS OF MAINE, INC. | 568 | $499K |
| Short-term disability(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF MAINE, INC. | 568 | $487K |
| Long-term disability(3 contracts, 3 carriers) | ANTHEM HEALTH PLANS OF MAINE, INC. | 568 | $489K |
| Stop-loss / reinsurancereinsurance | ANTHEM HEALTH PLANS OF MAINE, INC. | 627 | $1.0M |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 75 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 627 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
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.