Form 5500 · Employee benefit plan · BANGOR, ME
PENQUIS COMMUNITY ACTION PROGRAM INC.
The filing calls this plan PENQUIS COMMUNITY ACTION PROGRAM FLEXIBLE BENEFITS PLAN.
PENQUIS COMMUNITY ACTION PROGRAM INC. of BANGOR, ME files a Form 5500 with the U.S. Department of Labor disclosing its employee benefit plan. Its broker of record is CROSS INSURANCE, INC. - MAINE. Coverage is written through CIGNA HEALTH AND LIFE INSURANCE COMPANY and 1 other carrier. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 01-6023748 · plan 502 · plan year 2025, filed Jul 9, 2026
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271 other employer plans in Maine have policy years ending in December. 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
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.
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 3 insured contracts covering health, vision, life and disability; the largest, with CIGNA HEALTH AND LIFE INSURANCE COMPANY, covers 409 people.
Reported premium across the insured contracts is $4,113,911, with $23,149 in disclosed broker commissions — about 0.6% of premium.
The health contract's policy period ended in December, while at least one ancillary line's policy period ended in February. The plan is on a split renewal cycle.
CROSS INSURANCE, INC. - MAINE is the broker of record on all 3 contracts.
Two carriers split the book: CIGNA HEALTH AND LIFE INSURANCE COMPANY and ANTHEM LIFE INSURANCE COMPANY.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| ANTHEM LIFE INSURANCE COMPANY | Life | 525 | Mar 1, 2026 | $128,533 | $16,383 |
| ANTHEM LIFE INSURANCE COMPANY | Disability | 450 | Mar 1, 2026 | $111,214 | $6,561 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | Health, Vision | 409 | Jan 1, 2026 | $3,874,164 | $205 |
Premium and claims on this contract
CIGNA HEALTH AND LIFE INSURANCE COMPANY, contract 00637206. For the contract year on this filing, the carrier reported $3,874,164 in premium earned and $4,450,405 in claims incurred. Dividing one by the other gives 115%.
- CIGNA HEALTH AND LIFE INSURANCE COMPANY, contract 00637206 reported $102,667 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.
Other plans filed by this employer
How this plan compares
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Renewal calendar
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