Form 5500 · Employee benefit plan · SCARBOROUGH, ME
MAINE LIFE CARE RETIREMENT COMMUNITY, INC.
The filing calls this plan MAINE LIFE CARE RETIREMENT COMMUNITY, INC., DBA PIPER SHORES EMPLOYEE BENEFITS PLAN.
MAINE LIFE CARE RETIREMENT COMMUNITY, INC. of SCARBOROUGH, ME spreads its employee benefits across 3 insurance carriers, according to its Form 5500 Schedule A. Its broker of record is CLARK INSURANCE A MARSH & MCLENNAN. Coverage is written through HARVARD PILGRIM HEALTH CARE and 2 other carriers. The plan's most recent policy period ended in June.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 01-0496258 · plan 505 · plan year 2025, filed Jan 7, 2026
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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 HARVARD PILGRIM HEALTH CARE, covers 119 people.
Reported premium across the insured contracts is $1,932,666, with $56,157 in disclosed broker commissions — about 2.9% 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.
CLARK INSURANCE A MARSH & MCLENNAN is the broker of record on 4 of the 7 contracts; the rest name a different broker or none.
3 carriers appear on the filing, including HARVARD PILGRIM HEALTH CARE, UNUM LIFE INSURANCE COMPANY OF AMERICA and DOMINION NATIONAL. HARVARD PILGRIM HEALTH CARE writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| HARVARD PILGRIM HEALTH CARE | Health | 119 | Jul 1, 2025 | $1,093,984 | $25,014 |
| HARVARD PILGRIM HEALTH CARE | Health | 71 | Jul 1, 2025 | $507,358 | $11,748 |
| UNUM LIFE INSURANCE COMPANY OF AMERICA | Life, Disability | 175 | Jul 1, 2025 | $123,040 | $9,497 |
| DOMINION NATIONAL | Health, Dental, Vision | 266 | Jul 1, 2025 | $90,062 | $4,560 |
| UNUM LIFE INSURANCE COMPANY OF AMERICA | Life | 55 | Jul 1, 2025 | $20,801 | $3,120 |
| HARVARD PILGRIM HEALTH CARE | Health | 13 | Jul 1, 2025 | $94,183 | $2,144 |
| HARVARD PILGRIM HEALTH CARE | Health | 1 | Jul 1, 2025 | $3,238 | $74 |
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.
Administrator and service providers
The plan administrator is from line 3a of the main form. We publish company names only.
Other plans filed by this employer
How this plan compares
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