| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: BORISLOW INSURANCE AGENCY | 2 GRIFFIN BROOK DRIVE METHUEN, MA 01844 | BCBSMA | $154K | — | $154K | 2.00% |
| ASSUREDPARTNERS3 Filed as: BORISLOW INSURANCE | 1 GRIFFIN BROOK DRIVE METHUEN, MA 01844 | HRC TOTAL SOLUTIONS | $453 | — | $453 | 0.33% |
| GRANITE GROUP BENEFITS, LLC3 Filed as: GRANITE GROUP BENEFITS LLC | 1001 ELM STREET SUITE 301 MANCHESTER, NH 03101 | RED TREE INSURANCE COMPANY, INC. | $2K | — | $2K | 9.95% |
| COMBINED SERVICES LLC3 | PO BOX 1320 CONCORD, NH 03302 | RED TREE INSURANCE COMPANY, INC. | $259 | — | $259 | 1.49% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DELTA DENTAL PLAN OF NH, INC EIN 02-0273013 DENTAL CLAIMS PROCESSING | Claims processing Service code 12 | — | $50K |
| GRANITE GROUP BENEFITS LLC EIN 02-0504319 BROKER | Insurance agents and brokers Service code 22 | — | $13K |
| COMBINED SERVICES LLC EIN 02-0479434 BROKER | Insurance agents and brokers Service code 22 | — | $3K |
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 | 512 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 521 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BCBSMA | 521 | $7.9M |
| Dental | HRC TOTAL SOLUTIONS | 216 | $139K |
| Vision | RED TREE INSURANCE COMPANY, INC. | 275 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 521 | — |
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.