| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 45 CONSTITUTION AVE PO BOX 511 CONCORD, NH 03302 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $861 | $5K | 6.36% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES LIMITED LIABILITY | 2 DELTA DR SUITE 301 CONCORD, NH 03301 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $388 | $4K | 5.51% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 45 CONSTITUTION AVE PO BOX 511 CONCORD, NH 03302 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $509 | $3K | 7.54% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES LIMITED LIABILITY | 2 DELTA DR SUITE 301 CONCORD, NH 03301 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $227 | $2K | 5.52% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 45 CONSTITUTION AVE PO BOX 511 CONCORD, NH 03302 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $191 | $15 | $206 | 16.16% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES LIMITED LIABILITY | 2 DELTA DR SUITE 301 CONCORD, NH 03301 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $64 | $8 | $72 | 5.65% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTH PLANS, INC. EIN 04-2734278 CLAIMS PROCESSOR | Claims processing Service code 12 | — | $117K |
| DELTA DENTAL PLAN OF NEW HAMPSHIRE EIN 02-0273013 CLAIMS PROCESSOR | Claims processing Service code 12 | — | $18K |
| GALLAGHER BENEFIT SERVICES ADMINISTRATOR | Contract Administrator Service code 13 | PO BOX 511 CONCORD, NH 03302 | $8K |
| COMBINED SERVICES LIMITED LIABILITY ADMINISTRATOR | Contract Administrator Service code 13 | 2 DELTA DRIVE SUITE 301 CONCORD, NH 03301 | $7K |
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 239 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 239 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | 221 | $18K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 239 | $44K |
| Short-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 239 | $45K |
| Other(3 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 239 | $121K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 239 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.