| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DMS INSURANCE AGENCY OF NH3 | 426 S MAIN ST LACONIA, NH 03246 | HARVARD PILGRIM HEALTH CARE | $35K | — | $35K | 2.19% |
| DMS INSURANCE AGENCY OF NH3 | 426 S MAIN ST LACONIA, NH 03246 | HARVARD PILGRIM HEALTH CARE | $18K | — | $18K | 2.19% |
| DMS INSURANCE AGENCY OF NH3 | 426 S MAIN ST LACONIA, NH 03246 | DELTA DENTAL | $8K | — | $8K | 4.33% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES LLC DBA CSONE BEN | P0 BOX 1320 CONCORD, NH 033021320 | DELTA DENTAL | $150 | — | $150 | 0.08% |
| DMS INSURANCE AGENCY OF NH3 | 426 S MAIN ST LACONIA, NH 03246 | SUN LIFE ASSURANCE COMPANY | $2K | — | $2K | 8.19% |
| DMS INSURANCE AGENCY OF NH3 | 426 S MAIN ST LACONIA, NH 03246 | RED TREE INSURANCE CO | $1K | — | $1K | 9.73% |
| COMBINED SERVICES LLC1 Filed as: COMBINED SERVICES LLC DBA CSONE BEN | P0 BOX 1320 CONCORD, NH 033021320 | RED TREE INSURANCE CO | $191 | — | $191 | 1.46% |
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 | 175 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 175 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | HARVARD PILGRIM HEALTH CARE | 150 | $2.4M |
| Dental | DELTA DENTAL | 295 | $191K |
| Vision | RED TREE INSURANCE CO | 242 | $13K |
| Life insurance | SUN LIFE ASSURANCE COMPANY | 182 | $21K |
| Other | SUN LIFE ASSURANCE COMPANY | 182 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 295 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.