| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: NEW ENGLAND EMPLOYEE BENEFITS CO IN | 15 CHENELL DR CONCORD, NH 03301 | HARVARD PILGRIM HEALTHCARE (CRVNA HMOLP) | $60K | — | $60K | 2.08% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: NEW ENGLAND EMPLOYEE BENEFITS CO IN | 15 CHENELL DR CONCORD, NH 03301 | HARVARD PILGRIM HEALTHCARE (CRVNA ELH) | $17K | — | $17K | 1.97% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: NEW ENGLAND EMPLOYEE BENEFITS CO IN | 15 CHENELL DR CONCORD, NH 03301 | HARVARD PILGRIM HEALTHCARE (CNHVNA HMOLP) | $12K | — | $12K | 1.97% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: NEW ENGLAND EMPLOYEE BENEFITS CO IN | 15 CHENELL DR CONCORD, NH 03301 | ANTHEM HEALTH PLANS OF NEW HAMPSHIRE, INC (G1820) | $12K | $2K | $14K | 5.91% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: NEW ENGLAND EMPLOYEE BENEFITS CO IN | 15 CHENELL DR 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 DR CONCORD, NH 03301 | ANTHEM LIFE INSURANCE COMPANY (G1400) | $13K | $2K | $15K | 17.30% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: NEW ENGLAND EMPLOYEE BENEFITS CO IN | 15 CHENELL DR 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 DR CONCORD, NH 03301 | HARVARD PILGRIM HEALTHCARE (CNHVNA ELH) | $766 | — | $766 | 1.54% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: NEW ENGLAND EMPLOYEE BENEFITS CO IN | 15 CHENELL DR CONCORD, NH 03301 | HARVARD PILGRIM HEALTHCARE (CRVNA HMOLP/C) | $604 | — | $604 | 2.18% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: NEW ENGLAND EMPLOYEE BENEFITS CO IN | 15 CHENELL DR CONCORD, NH 03301 | EYEMED VISION CARE | $2K | — | $2K | 10.53% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: NEW ENGLAND EMPLOYEE BENEFITS CO IN | 15 CHENELL DR CONCORD, NH 03301 | HARVARD PILGRIM HEALTHCARE (CRVNA ELH/C) | $34 | — | $34 | 0.50% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: NEW ENGLAND EMPLOYEE BENEFITS CO IN | 15 CHENELL DR CONCORD, NH 03301 | HARVARD PILGRIM HEALTHCARE (CNHVNA HMOLP/C) | $91 | — | $91 | 4.92% |
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 | 363 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 363 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 7 carriers) | HARVARD PILGRIM HEALTHCARE (CRVNA HMOLP) | 322 | $4.5M |
| Dental | ANTHEM HEALTH PLANS OF NEW HAMPSHIRE, INC (G1820) | 505 | $235K |
| Vision | EYEMED VISION CARE | 366 | $22K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY (G1400) | 341 | $57K |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY (G1400) | 336 | $126K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY (G1400) | 341 | $89K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 505 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.