Form 5500 · Employee benefit plan · AUBURN, ME
JOHN F. MURPHY HOMES, INC.
The filing calls this plan JOHN F MURPHY HOMES, INC. CONSOLIDATED WELFARE BEN.
JOHN F. MURPHY HOMES, INC. of AUBURN, ME insures health, dental, vision, life and disability coverage for its employees, per Schedule A of its Form 5500. Its broker of record is CROSS INSURANCE, INC. - MAINE. Coverage is written through UNITEDHEALTHCARE INSURANCE COMPANY and 2 other carriers. The plan's most recent policy period ended in June.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 01-0355896 · plan 508 · plan year 2025, filed Nov 17, 2025
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41 other employer plans in Maine have policy years ending in June. See the full list on the renewal calendar, or ask for it in Claude or ChatGPT.
How this plan is funded
Fully insured as reported
The filing reports medical coverage through an insurance contract on Schedule A, and no money paid for benefits by the plan itself.
Benefits declared on this filing
Also declared: other welfare.
Declared benefits are the plan’s own line 8b codes on Form 5500. “Not on Schedule A” means no insured contract for that line appears on this filing. That usually means the benefit is self-funded, or it sits under a different plan number.
Where a line has more than one insured contract, the carrier and the covered figure are the largest contract's by premium. The contracts are not added up: a pharmacy carve-out and the medical carrier beside it cover the same people.
Persons covered is the count the carrier filed for that policy at the end of its policy year, and it can include dependents. Participants is the plan's own count at the start of its plan year. The two count different people, so a covered figure can be larger.
Plan brief
Schedule A lists 7 insured contracts covering health, dental, vision, life and disability; the largest, with UNITEDHEALTHCARE INSURANCE COMPANY, covers 818 people.
Reported premium across the insured contracts is $5,924,098, with $325,284 in disclosed broker commissions — about 5.5% of premium.
The most recent policy period ended in June, and the plan year ends June 30. Group contracts typically renew on that annual cycle.
CROSS INSURANCE, INC. - MAINE is the broker of record on 1 of the 7 contracts; the rest name a different broker or none.
3 carriers appear on the filing, including UNITEDHEALTHCARE INSURANCE COMPANY, STANDARD INSURANCE COMPANY and STANDARD INSURANCE COMPANY - TEMPORARY DISABILITY. UNITEDHEALTHCARE INSURANCE COMPANY writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| UNITEDHEALTHCARE INSURANCE COMPANY | Health | 818 | Jul 1, 2025 | $4,974,650 | $109,249 |
| STANDARD INSURANCE COMPANY | Health | 0 | Jul 1, 2025 | $144,609 | $61,416 |
| STANDARD INSURANCE COMPANY - TEMPORARY DISABILITY | Disability | 415 | Jul 1, 2025 | $199,687 | $58,454 |
| STANDARD INSURANCE COMPANY | Life | 820 | Jul 1, 2025 | $156,582 | $41,054 |
| STANDARD INSURANCE COMPANY | Disability | 349 | Jul 1, 2025 | $102,950 | $32,555 |
| STANDARD INSURANCE COMPANY | Dental | 527 | Jul 1, 2025 | $297,068 | $13,883 |
| STANDARD INSURANCE COMPANY | Vision | 1,000 | Jul 1, 2025 | $48,552 | $8,673 |
Premium and claims on these contracts
STANDARD INSURANCE COMPANY - TEMPORARY DISABILITY, contract 172666. For the contract year on this filing, the carrier reported $199,687 in premium earned and $144,170 in claims incurred. Dividing one by the other gives 72%.
STANDARD INSURANCE COMPANY, contract 172666. For the contract year on this filing, the carrier reported $156,582 in premium earned and $27,620 in claims incurred. Dividing one by the other gives 18%.
STANDARD INSURANCE COMPANY, contract 172666. For the contract year on this filing, the carrier reported $102,950 in premium earned and $53,788 in claims incurred. Dividing one by the other gives 52%.
STANDARD INSURANCE COMPANY, contract 172666. For the contract year on this filing, the carrier reported $297,068 in premium earned and $257,109 in claims incurred. Dividing one by the other gives 87%.
STANDARD INSURANCE COMPANY, contract 172666. For the contract year on this filing, the carrier reported $48,552 in premium earned and $17,940 in claims incurred. Dividing one by the other gives 37%.
- STANDARD INSURANCE COMPANY - TEMPORARY DISABILITY, contract 172666 reported $151,042 in retention.
- STANDARD INSURANCE COMPANY, contract 172666 reported $128,958 in retention.
- STANDARD INSURANCE COMPANY, contract 172666 reported $74,971 in retention.
- STANDARD INSURANCE COMPANY, contract 172666 reported $75,582 in retention.
- STANDARD INSURANCE COMPANY, contract 172666 reported $30,591 in retention.
Retention is what the carrier kept of the premium after claims, as reported: administration, commissions and other charges.
Only experience-rated contracts report these figures, so most filings leave them blank.
Covered = persons covered at policy year end, as filed on Schedule A for that policy — often certificates or one class, not the whole plan. Premium = the filing’s own premium/charges figure; “—” means not credibly reported.
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