| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NEW ENGLAND EMPLOYEE BENEFITS CO3 | 15 CHENELL DR CONCORD, NH 03301 | AMERITAS LIFE INSURANCE CORP | $4K | $2K | $6K | 3.11% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: NEW ENGLAND EMPLOYEE BENEFITS COMPA | 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 COMPA | 15 CHENELL DRIVE CONCORD, NH 03301 | ANTHEM LIFE INSURANCE COMPANY (G1400) | $18K | $5K | $23K | 31.21% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: NEW ENGLAND EMPLOYEE BENEFITS COMPA | 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 COMPA | 15 CHENELL DRIVE CONCORD, NH 03301 | EYEMED | $2K | — | $2K | 9.14% |
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 | 257 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 257 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP | 545 | $195K |
| Vision | EYEMED | 374 | $26K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY (G1400) | 335 | $54K |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY (G1400) | 337 | $122K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY (G1400) | 335 | $72K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 545 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.