| 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) | $37K | $991 | $38K | 0.96% |
| 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, INC (G1820) | — | — | $0 | 0.00% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: NEW ENGLAND EMPLOYEE BENEFITS CO IN | 15 CHENELL DRIVE CONCORD, NH 03301 | ANTHEM LIFE INSURANCE COMPANY (G1400) | — | — | $0 | 0.00% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: NEW ENGLAND EMPLOYEE BENEFITS CO IN | 15 CHENELL DRIVE CONCORD, NH 03301 | ANTHEM LIFE INSURANCE COMPANY (G1400) | $15K | $121K | $135K | 182.57% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: NEW ENGLAND EMPLOYEE BENEFITS CO IN | 15 CHENELL DRIVE CONCORD, NH 03301 | ANTHEM LIFE INSURANCE COMPANY (G1400) | — | — | $0 | 0.00% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: NEW ENGLAND EMPLOYEE BENEFITS CO IN | 15 CHENELL DRIVE CONCORD, NH 03301 | EYEMED VISION CARE | $1K | — | $1K | 9.87% |
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 | 306 | 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) | 306 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MATTHEW THORNTON HEALTH PLAN, INC (G1822) | 434 | $3.9M |
| Dental | ANTHEM HEALTH PLANS OF NEW HAMPSHIRE, INC (G1820) | 418 | $197K |
| Vision | EYEMED VISION CARE | 195 | $14K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY (G1400) | 285 | $51K |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY (G1400) | 290 | $110K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY (G1400) | 285 | $74K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 434 | — |
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.