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Original filing (PDF)20250703132207NAL0001055408001
EMPLOYEES OF MUNICIPAL AND OTHER PUBLIC EMPLOYERS OF MAINE HEALTH TR
Form 5500
FILING_RECEIVED
MAINE MUNICIPAL EMPLOYEES HEALTH TRUST
Health & welfare plan
Signals · 3
~743 bps in Sched C feesNo recordkeeper disclosed9 service providers
Active participants
9,548
Accounts w/ balance
—
Plan assets (EOY)
$120.4M
Net assets (EOY)
$96.4M
How this plan invests
This plan
217 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
88
/ 100
Grade A
Top-tier plan health
Directional indicator computed from public Form 5500 data — compliance, concentration, cost, vendor stack and participation. Not a fiduciary tool.
Compliance & disclosures
100
Concentration risk
100
Total plan cost
65
Vendor stack
68
Participation health
100
Knocking points off
- 743 bps in Schedule C fees — 7331% above peer band of 10 bps.
- No recordkeeper disclosed on Schedule C.
- Highly fragmented vendor stack (9 disclosed providers, 6 categories).
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for EMPLOYEES OF MUNICIPAL AND OTHER PUBLIC EMPLOYERS OF MAINE HEALTH TR.
Plan sponsor
Name
EMPLOYEES OF MUNICIPAL AND OTHER PUBLIC EMPLOYERS OF MAINE HEALTH TR
DBA
MAINE MUNICIPAL EMPLOYEES HEALTH TRUST
EIN
01-0382676
Address
60 COMMUNITY DRIVE · AUGUSTA, ME · 043308008
Phone
(207) 623-8428
Industry
Finance & Insurancesee all
Plan administrator
Name
MAINE MUNICIPAL ASSOCIATION
EIN
01-6001159
City
AUGUSTA, ME
Phone
(207) 623-8428
Plan characteristics
Plan number
501
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-07-03
Welfare benefit codes
4A · Health (other than dental or vision)
4B · Life Insurance
4D · Dental
4F · Temporary Disability (accident and sickness)
4H · Long-Term Disability
4E · Vision
Audit & trust (Schedule H)
Auditor
RUNYON KERSTEEN OUELLETTE
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
9 rowsAdvisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| CROSS BENEFIT SOLUTIONS | 01-0508976 | BANGOR, ME | CONSULTANT - BENEFITS | $47K | — |
Broker
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| MERCER HEALTH BENEFITS | 34-2015463 | NEWARK, NJ | BROKER | $50K | — |
TPA / Administrator
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| MAINE MUNICIPAL ASSOCIATION | 01-6001159 | AUGUSTA, ME | PLAN ADMINISTRAT | $3.8M | — |
Actuary
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| CHEIRON, INC | 13-4215617 | MCLEAN, VA | ACTUARY | $494K | — |
Legal counsel
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| VERRILL DANA LLP | 01-0176171 | PORTLAND, ME | LEGAL SERVICES | $235K | — |
Other
4| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| ANTHEM BLUE CROSS BLUE SHIELD OF ME | 31-1705652 | SOUTH PORTLAND, ME | BENEFITS ADMINISTRATOR | $2.8M | — |
| BUSINESSOLVER INC | 42-1503807 | WEST DES MOINES, IA | BENEFITS ADMINISTRATOR | $638K | — |
| UNUM LIFE INSURANCE CO OF AMERICA | 01-0278678 | ATLANTA, GA | BENEFITS ADMINISTRATOR | $550K | — |
| NORTHEAST DELTA DENTAL | 01-0286541 | CONCORD, NH | BENEFITS ADMINISTRATOR | $354K | — |
Investments
143 direct securities· $55.3M(46% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Androscoggin CDARS Certificate of Deposit 06/07/25 4.400% | — | — | $1.1M | $1.1M | 0.9% | |
| FFCB US Government Security 01/05/27 5.770% | — | — | $1.4M | $1.1M | 0.9% | |
| Androscoggin CDARS Certificate of Deposit 02/28/29 3.800% | — | — | $1.1M | $1.1M | 0.9% | |
| FNMA US Government Security 04/24/26 2.13% | — | — | $1.0M | $972K | 0.8% | |
| FFCB US Government Security 06/02/31 4.330% | — | — | $1.0M | $966K | 0.8% | |
| FHLB US Government Security 06/09/28 3.250% | — | — | $1.0M | $963K | 0.8% | |
| FFCB US Government Security 11/12/26 1.800% | — | — | $1.0M | $954K | 0.8% | |
| FHLB US Government Security 01/27/32 1.500% | — | — | $1.0M | $890K | 0.7% | |
| US Treasury US Government Security 08/15/27 2.250% | — | — | $731K | $713K | 0.6% | |
| FFCB US Government Security 05/20/32 3.28% | — | — | $759K | $685K | 0.6% | |
| FNMA US Government Security 09/24/26 1.88% | — | — | $551K | $577K | 0.5% | |
| Androscoggin CDARS Certificate of Deposit 12/14/25 4.210% | — | — | $549K | $549K | 0.5% | |
| Androscoggin CDARS Certificate of Deposit 06/26/26 4.050% | — | — | $541K | $541K | 0.4% | |
| Androscoggin CDARS Certificate of Deposit 06/22/28 3.800% | — | — | $541K | $541K | 0.4% | |
| Androscoggin CDARS Certificate of Deposit 06/26/26 4.050% | — | — | $539K | $539K | 0.4% | |
| FHLB US Government Security 03/08/30 4.75% | — | — | $498K | $507K | 0.4% | |
| FHLB US Government Security 09/10/32 4.250% | — | — | $507K | $505K | 0.4% | |
| FHLB US Government Security 12/10/32 4.750% | — | — | $505K | $501K | 0.4% | |
| FHLB US Government Security 03/14/25 4.63% | — | — | $500K | $500K | 0.4% | |
| FFCB US Government Security 10/24/29 4.375% | — | — | $498K | $499K | 0.4% | |
| FFCB US Government Security 11/21/29 4.380% | — | — | $503K | $498K | 0.4% | |
| FHLB US Government Security 06/13/25 3.13% | — | — | $504K | $497K | 0.4% | |
| US Treasury US Government Security 07/31/25 2.875% | — | — | $530K | $496K | 0.4% | |
| US Treasury US Government Security 09/30/25 3.000% | — | — | $537K | $495K | 0.4% | |
| US Treasury US Government Security 10/31/25 3.000% | — | — | $505K | $495K | 0.4% | |
| US Treasury US Government Security 02/28/31 4.250% | — | — | $500K | $494K | 0.4% | |
| FFCB US Government Security 09/30/30 4.250% | — | — | $491K | $493K | 0.4% | |
| Name of Plan:► Maine Municipal Employees Health Trust Employer Identification Number:► 01-0382676 For plan year (beginning/ending):► 01/01/24 to 12/31/24 Plan number:► 501 FFCB US Government Security 09/27/29 4.000% | — | — | $482K | $491K | 0.4% | |
| US Treasury US Government Security 09/30/29 3.880% | — | — | $482K | $489K | 0.4% | |
| US Treasury US Government Security 01/31/28 3.500% | — | — | $491K | $489K | 0.4% | |
| US Treasury US Government Security 03/31/26 2.250% | — | — | $535K | $488K | 0.4% | |
| FFCB US Government Security 08/03/26 2.630% | — | — | $543K | $487K | 0.4% | |
| FHLB US Government Security 09/10/32 4.880% | — | — | $509K | $485K | 0.4% | |
| FHLB US Government Security 11/16/28 3.250% | — | — | $570K | $482K | 0.4% | |
| US Treasury US Government Security 03/31/30 3.63% | — | — | $487K | $482K | 0.4% | |
| US Treasury US Government Security 11/15/26 2.000% | — | — | $485K | $480K | 0.4% | |
| US Treasury US Government Security 11/15/28 3.130% | — | — | $491K | $478K | 0.4% | |
| US Treasury US Government Security 06/30/29 3.250% | — | — | $506K | $477K | 0.4% | |
| FFCB US Government Security 09/04/26 1.400% | — | — | $508K | $476K | 0.4% | |
| FFCB US Government Security 04/11/30 3.600% | — | — | $491K | $473K | 0.4% | |
| FFCB US Government Security 01/03/28 2.300% | — | — | $484K | $470K | 0.4% | |
| FFCB US Government Security 04/26/30 3.125% | — | — | $507K | $470K | 0.4% | |
| FFCB US Government Security 04/28/27 1.200% | — | — | $500K | $466K | 0.4% | |
| FFCB US Government Security 03/30/27 1.300% | — | — | $500K | $466K | 0.4% | |
| US Treasury US Government Security 02/15/33 3.500% | — | — | $506K | $465K | 0.4% | |
| FFCB US Government Security 10/24/30 3.05% | — | — | $478K | $463K | 0.4% | |
| US Treasury US Government Security 03/31/29 2.375% | — | — | $487K | $461K | 0.4% | |
| Name of Plan:► Maine Municipal Employees Health Trust Employer Identification Number:► 01-0382676 For plan year (beginning/ending):► 01/01/24 to 12/31/24 Plan number:► 501 US Treasury US Government Security 04/30/27 0.500% | — | — | $484K | $459K | 0.4% | |
| FFCB US Government Security 05/20/32 3.28% | — | — | $467K | $457K | 0.4% | |
| FFCB US Government Security 11/13/28 1.940% | — | — | $489K | $455K | 0.4% | |
| FNMA US Government Security 10/08/27 0.75% | — | — | $485K | $454K | 0.4% | |
| US Treasury US Government Security 04/30/28 1.250% | — | — | $500K | $453K | 0.4% | |
| FHLB US Government Security 10/18/29 2.35% | — | — | $500K | $452K | 0.4% | |
| US Treasury US Government Security 11/30/27 0.625% | — | — | $483K | $450K | 0.4% | |
| FFCB US Government Security 12/18/29 2.250% | — | — | $500K | $449K | 0.4% | |
| US Treasury US Government Security 10/31/28 1.375% | — | — | $497K | $448K | 0.4% | |
| FFCB US Government Security 07/13/28 1.230% | — | — | $500K | $446K | 0.4% | |
| FHLB US Government Security 08/23/28 1.250% | — | — | $500K | $446K | 0.4% | |
| US Treasury US Government Security 08/15/29 1.625% | — | — | $510K | $444K | 0.4% | |
| FFCB US Government Security 07/06/29 1.61% | — | — | $500K | $440K | 0.4% | |
| FFCB US Government Security 03/01/29 1.200% | — | — | $492K | $437K | 0.4% | |
| FFCB US Government Security 03/03/31 2.210% | — | — | $494K | $435K | 0.4% | |
| US Treasury US Government Security 02/15/30 1.500% | — | — | $505K | $434K | 0.4% | |
| FFCB US Government Security 12/02/30 2.080% | — | — | $496K | $433K | 0.4% | |
| FFCB US Government Security 06/03/30 1.740% | — | — | $500K | $432K | 0.4% | |
| FFCB US Government Security 07/15/30 1.60% | — | — | $500K | $426K | 0.4% | |
| FFCB US Government Security 09/23/30 1.57% | — | — | $493K | $423K | 0.4% | |
| FFCB US Government Security 04/14/31 1.690% | — | — | $438K | $422K | 0.4% | |
| FFCB US Government Security 10/27/31 1.980% | — | — | $499K | $421K | 0.3% | |
| FFCB US Government Security 12/01/31 1.810% | — | — | $448K | $414K | 0.3% | |
| US Treasury US Government Security 05/15/30 0.625% | — | — | $468K | $410K | 0.3% | |
| FHLB US Government Security 12/12/31 1.630% | — | — | $410K | $410K | 0.3% | |
| FFCB US Government Security 07/21/31 1.440% | — | — | $494K | $409K | 0.3% | |
| FHLB US Government Security 12/12/25 3.125% | — | — | $398K | $396K | 0.3% | |
| FFCB US Government Security 06/17/25 3.000% | — | — | $385K | $348K | 0.3% | |
| FHLB US Government Security 03/12/27 3.25% | — | — | $350K | $342K | 0.3% | |
| FNMA US Government Security 11/15/30 6.625% | — | — | $357K | $278K | 0.2% | |
| FHLB US Government Security 09/13/30 4.750% | — | — | $246K | $254K | 0.2% | |
| FFCB US Government Security 10/10/30 4.750% | — | — | $246K | $252K | 0.2% | |
| FFCB US Government Security 07/27/26 4.500% | — | — | $250K | $251K | 0.2% | |
| FHLB US Government Security 09/14/29 4.50% | — | — | $251K | $251K | 0.2% | |
| US Treasury US Government Security 10/15/25 4.25% | — | — | $253K | $250K | 0.2% | |
| FFCB US Government Security 03/15/30 4.38% | — | — | $255K | $249K | 0.2% | |
| FHLB US Government Security 03/14/25 2.38% | — | — | $246K | $249K | 0.2% | |
| FFCB US Government Security 04/01/25 2.370% | — | — | $250K | $249K | 0.2% | |
| US Treasury US Government Security 07/31/28 4.130% | — | — | $248K | $248K | 0.2% | |
| FFCB US Government Security 09/29/27 4.00% | — | — | $249K | $248K | 0.2% | |
| FFCB US Government Security 09/29/28 4.130% | — | — | $250K | $248K | 0.2% | |
| FFCB US Government Security 11/25/25 2.700% | — | — | $252K | $246K | 0.2% | |
| US Treasury US Government Security 05/15/34 4.375% | — | — | $256K | $246K | 0.2% | |
| US Treasury US Government Security 10/31/29 4.000% | — | — | $252K | $246K | 0.2% | |
| FNMA US Government Security 06/24/25 0.500% | — | — | $250K | $246K | 0.2% | |
| FHLB US Government Security 04/06/28 3.750% | — | — | $251K | $245K | 0.2% | |
| FNMA US Government Security 08/19/25 0.500% | — | — | $250K | $244K | 0.2% | |
| FHLB US Government Security 03/11/33 4.38% | — | — | $248K | $244K | 0.2% | |
| FNMA US Government Security 04/24/26 2.13% | — | — | $244K | $243K | 0.2% | |
| US Treasury US Government Security 05/31/30 3.750% | — | — | $249K | $242K | 0.2% | |
| FHLB US Government Security 12/10/25 0.65% | — | — | $250K | $242K | 0.2% | |
| US Treasury US Government Security 05/15/26 1.63% | — | — | $235K | $241K | 0.2% | |
| FHLB US Government Security 06/09/28 3.250% | — | — | $250K | $241K | 0.2% | |
| FFCB US Government Security 07/12/28 3.200% | — | — | $250K | $240K | 0.2% | |
| FHLB US Government Security 03/10/28 3.000% | — | — | $250K | $240K | 0.2% | |
| US Treasury US Government Security 02/15/34 4.00% | — | — | $249K | $239K | 0.2% | |
| US Treasury US Government Security 05/15/28 2.880% | — | — | $243K | $239K | 0.2% | |
| US Treasury US Government Security 12/31/26 1.750% | — | — | $261K | $238K | 0.2% | |
| US Treasury US Government Security 08/15/27 2.250% | — | — | $244K | $238K | 0.2% | |
| FFCB US Government Security 12/13/27 2.53% | — | — | $243K | $237K | 0.2% | |
| US Treasury US Government Security 08/31/29 3.125% | — | — | $245K | $237K | 0.2% | |
| FHLB US Government Security 05/09/29 3.150% | — | — | $250K | $236K | 0.2% | |
| FHLB US Government Security 06/10/33 4.00% | — | — | $246K | $236K | 0.2% | |
| FFCB US Government Security 05/03/32 4.09% | — | — | $248K | $234K | 0.2% | |
| US Treasury US Government Security 02/15/29 2.625% | — | — | $278K | $234K | 0.2% | |
| FFCB US Government Security 04/28/27 1.200% | — | — | $250K | $233K | 0.2% | |
| US Treasury US Government Security 02/15/33 3.500% | — | — | $245K | $233K | 0.2% | |
| FHLB US Government Security 02/19/27 0.75% | — | — | $250K | $232K | 0.2% | |
| FFCB US Government Security 04/23/32 3.48% | — | — | $241K | $232K | 0.2% | |
| US Treasury US Government Security 05/15/33 3.38% | — | — | $243K | $230K | 0.2% | |
| US Treasury US Government Security 05/31/27 0.500% | — | — | $236K | $229K | 0.2% | |
| FFCB US Government Security 12/18/28 2.000% | — | — | $224K | $228K | 0.2% | |
| FFCB US Government Security 07/28/32 3.25% | — | — | $230K | $227K | 0.2% | |
| US Treasury US Government Security 08/31/27 0.500% | — | — | $239K | $227K | 0.2% | |
| Androscoggin CDARS Certificate of Deposit 06/24/27 3.920% | — | — | $226K | $226K | 0.2% | |
| US Treasury US Government Security 01/31/29 1.75% | — | — | $246K | $226K | 0.2% | |
| FFCB US Government Security 02/14/29 1.85% | — | — | $256K | $225K | 0.2% | |
| US Treasury US Government Security 01/31/28 0.750% | — | — | $242K | $225K | 0.2% | |
| FHLB US Government Security 08/11/28 1.220% | — | — | $250K | $223K | 0.2% | |
| FFCB US Government Security 01/19/33 3.13% | — | — | $220K | $222K | 0.2% | |
| US Treasury US Government Security 08/15/29 1.625% | — | — | $255K | $222K | 0.2% | |
| FFCB US Government Security 06/01/29 1.58% | — | — | $250K | $221K | 0.2% | |
| FFCB US Government Security 06/14/29 1.590% | — | — | $248K | $220K | 0.2% | |
| FHLB US Government Security 03/12/32 2.75% | — | — | $244K | $219K | 0.2% | |
| FFCB US Government Security 06/03/30 1.740% | — | — | $248K | $216K | 0.2% | |
| FFCB US Government Security 01/14/31 1.900% | — | — | $241K | $214K | 0.2% | |
| US Treasury US Government Security 05/15/31 1.625% | — | — | $252K | $211K | 0.2% | |
| FFCB US Government Security 06/16/31 1.550% | — | — | $226K | $207K | 0.2% | |
| FNMA US Government Security 08/05/30 0.875% | — | — | $241K | $206K | 0.2% | |
| FFCB US Government Security 12/09/26 1.780% | — | — | $213K | $195K | 0.2% | |
| FFCB US Government Security 06/12/28 3.650% | — | — | $200K | $194K | 0.2% | |
| FHLB US Government Security 06/12/26 5.75% | — | — | $187K | $153K | 0.1% | |
| FNMA US Government Security 09/24/26 1.88% | — | — | $143K | $144K | 0.1% | |
| US Treasury US Government Security 05/15/27 2.375% | — | — | $144K | $144K | 0.1% | |
| FFCB US Government Security 12/29/25 5.700% | — | — | $123K | $101K | <0.1% | |
| US Treasury US Government Security 08/15/25 2.000% | — | — | $99K | $99K | <0.1% |