| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: NEW ENGLAND EMPLOYEE BENEFITS CO IN | 15 CHENELL DRIVE CONCORD, NH 03301 | MATTHEW THORNTON HEALTH PLAN, INC (G1822) | $77K | — | $77K | 2.03% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: NEW ENGLAND EMPLOYEE BENEFITS CO IN | 15 CHENELL DRIVE CONCORD, NH 03301 | ANTHEM HEALTH PLANS OF NEW HAMPSHIRE | $5K | — | $5K | 2.60% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: NEW ENGLAND EMPLOYEE BENEFITS CO IN | 15 CHENELL DR CONCORD, NH 03301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $4K | $9K | 7.31% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: NEW ENGLAND EMPLOYEE BENEFITS CO IN | 15 CHENELL DR CONCORD, NH 03301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $2K | $7K | 9.25% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: NEW ENGLAND EMPLOYEE BENEFITS CO IN | 15 CHENELL DRIVE CONCORD, NH 03301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $951 | $6K | 17.04% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: NEW ENGLAND EMPLOYEE BENEFITS CO IN | 15 CHENELL DRIVE CONCORD, NH 03301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $18K | $518 | $18K | 102.96% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: NEW ENGLAND EMPLOYEE BENEFITS CO IN | 15 CHENELL DR CONCORD, NH 03301 | EYEMED | $1K | — | $1K | 9.22% |
No Schedule C service providers reported on this filing.
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 | 310 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 310 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MATTHEW THORNTON HEALTH PLAN, INC (G1822) | 465 | $3.8M |
| Dental | ANTHEM HEALTH PLANS OF NEW HAMPSHIRE | 223 | $196K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 300 | $18K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 299 | $74K |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 305 | $170K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 465 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.