Back to filter
Original filing (PDF)20250609130140NAL0011005555001
CENTRAL MAINE AREA AGENCY ON AGING D/B/A SPECTRUM GENERATIONS
Form 5500-SF
FILING_RECEIVED
SPECTRUM GENERATIONS 401(K) PLAN
401(k) retirement plan
Active participants
115
Accounts w/ balance
64
Plan assets (EOY)
$1.9M
Net assets (EOY)
$1.9M
Plan health score (directional)
83
/ 100
Grade B
Above-average plan
Directional indicator computed from public Form 5500 data — compliance, concentration, cost, vendor stack and participation. Not a fiduciary tool.
Compliance & disclosures
90
Concentration risk
75
Total plan cost
75
Vendor stack
100
Participation health
80
Knocking points off
- No IQPA named; plan is in the 80-120 transition zone — may be filing as small.
- 56% balance-to-active ratio — below typical for a healthy 401(k).
Helping the score
- Concentration not scored — Schedule of Assets PDF not yet parsed for this plan.
- No Schedule C compensation disclosed — likely a small plan or unbundled.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for CENTRAL MAINE AREA AGENCY ON AGING D/B/A SPECTRUM GENERATIONS.
Plan sponsor
Name
CENTRAL MAINE AREA AGENCY ON AGING D/B/A SPECTRUM GENERATIONS
EIN
01-0318051
Address
ONE WESTON COURT · AUGUSTA, ME · 04330
Phone
(207) 623-0764
Industry
Other Services (ex. Public Admin)see all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
002
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-06-09
Pension benefit codes
2E · Profit-sharing
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
2T · Default investment account (QDIA)
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
—
Trustee / custodian
—
Trustee phone
—
Small plan (5500-SF) — Schedule H data not available.
Service providers (Schedule C)
Small plans don't disclose service providersRelated plans
Similar-size Other Services (ex. Public Admin) plans
HANNAH BG SHAW HOME, INC
HANNAH B.G. SHAW HOME 403(B) PLAN
$1.9M · 190 participants
WESTERN CAROLINA INDUSTRIES, INC.
WESTERN CAROLINA INDUSTRIES, INC. 401(K) PLAN
$1.9M · 11 participants
BALTIMORE AREA COUNCIL
403(B) THRIFT PLAN FOR EMPLOYEES OF BALTIMORE AREA COUNCIL BOY SCOUTS OF AMERICA
$1.9M · 9 participants
DARIEN POLICE ASSOCIATION INC
DARIEN POLICE ASSOCIATION INC RETIREE MEDICAL/DRUG PAYMENT PLAN
$1.9M · 22 participants
ALPHA KAPPA PSI FRATERNITY, INC.
ALPHA KAPPA PSI FRATERNITY, INC. 401(K) PLAN
$1.9M · 16 participants
NATIONAL ASSOCIATION FOR ENVIRONMENTAL MANAGEMENT
NAEM 401(K) PLAN
$1.9M · 8 participants
Large plans in Maine
AHOLD DELHAIZE USA SERVICES, LLC
AHOLD DELHAIZE USA SERVICES AND AFFILIATES DEFINED CONTRIBUTION PLANS MASTER TRUST
$6.9B
TD BANK US HOLDING COMPANY
TD 401(K) RETIREMENT PLAN
$6.0B · 32,012 participants
UNUM GROUP
UNUM GROUP 401K RETIREMENT PLAN
$2.5B · 9,413 participants
MAINEHEALTH SERVICES
MAINEHEALTH 403(B) RETIREMENT PLAN
$2.5B · 23,826 participants
UNUM GROUP
UNUM GROUP PENSION PLAN
$1.4B · 2,680 participants
IDEXX LABORATORIES, INC.
IDEXX RETIREMENT AND INCENTIVE SAVINGS PLAN
$1.2B · 6,742 participants