| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE PLANNING GROUP3 Filed as: INSURANCE PLANNING GROUP INC | 85 WASHINGTON ST KEENE, NH 03431 | HARVARD PILGRIM HEALTH CARE OF NE INC - MA | $44K | $0 | $44K | 2.54% |
| INSURANCE PLANNING GROUP3 | DBA IPG EMPLOYEE BENEFITS 85 WASHINGTON ST KEENE, NH 03431 | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | $5K | — | $5K | 4.90% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES LLC DBA CSONE BEN | PO BOX 1320 CONCORD, NH 03302 | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | $1K | — | $1K | 1.16% |
| ASSUREDPARTNERS3 Filed as: JENNIFER BORISLOW INS AGENCY INC | ONE GRIFFIN BROOK DRIVE METHUEN, MA 01844 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $5K | — | $5K | 13.79% |
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 | 201 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 201 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HARVARD PILGRIM HEALTH CARE OF NE INC - MA | 284 | $1.7M |
| Dental | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | 228 | $93K |
| Vision | HARVARD PILGRIM HEALTH CARE OF NE INC - MA | 284 | $1.7M |
| Life insurance | BOSTON MUTUAL LIFE INSURANCE COMPANY | 201 | $36K |
| Long-term disability | BOSTON MUTUAL LIFE INSURANCE COMPANY | 201 | $36K |
| Prescription drug | HARVARD PILGRIM HEALTH CARE OF NE INC - MA | 284 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 284 | — |
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.