| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSIGHT INSURANCE AGENCY LLC3 | 185 CENTRE STREET SUITE 104 DANVERS, NH 01923 | HARVARD PILGRIM HEALTHCARE | $19K | — | $19K | 3.28% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: NEW ENGLAND EMPLOYEE BENEFITS | 15 CHENELL DRIVE CONCORD, NH 03301 | HARVARD PILGRIM HEALTHCARE | $19K | — | $19K | 3.28% |
| INSIGHT INSURANCE AGENCY LLC3 | 185 CENTRE STREET SUITE 104 DANVERS, NH 01923 | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | $3K | — | $3K | 3.77% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 | 15 CHENELL DRIVE CONCORD, NH 03301 | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | $814 | — | $814 | 1.15% |
| COMBINED SERVICES LLC3 | PO BOX 1320 CONCORD, NE 03302 | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | $566 | — | $566 | 0.80% |
| INSIGHT INSURANCE AGENCY LLC3 | 185 CENTRE STREET SUITE 104 DANVERS, NH 01923 | HARVARD PILGRIM HEALTHCARE | $2K | — | $2K | 3.28% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: NEW ENGLAND EMPLOYEE BENEFITS COUNC | 15 CHENELL DRIVE CONCORD, NH 03301 | HARVARD PILGRIM HEALTHCARE | $484 | — | $484 | 0.70% |
| INSIGHT INSURANCE AGENCY LLC3 | 185 CENTRE STREET SUITE 104 DANVERS, NH 01923 | ANTHEM LIFE COMPANY (G1400) | $3K | — | $3K | 6.22% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 | 15 CHENELL DRIVE CONCORD, NH 03301 | ANTHEM LIFE COMPANY (G1400) | $2K | — | $2K | 3.85% |
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 | 98 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 99 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | HARVARD PILGRIM HEALTHCARE | 86 | $635K |
| Dental | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | 88 | $71K |
| Life insurance | ANTHEM LIFE COMPANY (G1400) | 98 | $46K |
| Short-term disability | ANTHEM LIFE COMPANY (G1400) | 98 | $46K |
| Other | ANTHEM LIFE COMPANY (G1400) | 98 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 98 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.