| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GRANITE GROUP BENEFITS, LLC3 | 1001 ELM STREET, SUITE 301 MANCHESTER, NH 03101 | MATTHEW THORNTON HEALTH PLAN, INC. | $133K | $24K | $158K | 1.91% |
| KENNETH C MEIER CORP3 Filed as: KENNETH MCLAUGHLIN | GRANITE GROUP BENEFITS, LLC 1001 ELM STREET, SUITE 301 MANCHESTER, NH 03101 | BLUE CROSS AND BLUE SHIELD OF VERMONT | $20K | $0 | $20K | 3.26% |
| GRANITE GROUP BENEFITS, LLC3 | 1001 ELM STREET, SUITE 301 MANCHESTER, NH 03101 | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | $12K | $0 | $12K | 2.02% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES LLC DBA CSONE | PO BOX 1320 CONCORD, NH 033021320 | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | $3K | $0 | $3K | 0.47% |
| GRANITE GROUP BENEFITS, LLC3 | 1001 ELM STREET, SUITE 301 MANCHESTER, NH 03101 | ANTHEM LIFE INSURANCE COMPANY | $31K | $0 | $31K | 8.48% |
| GRANITE GROUP BENEFITS, LLC3 | 1001 ELM STREET, SUITE 301 MANCHESTER, NH 03101 | ANTHEM HEALTH PLANS OF NEW HAMPSHIRE, INC. | $5K | $0 | $5K | 9.66% |
| GRANITE GROUP BENEFITS, LLC3 | 1001 ELM STREET, SUITE 301 MANCHESTER, NH 03101 | VISION SERVICE PLAN | $570 | $0 | $570 | 10.00% |
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 | 1,238 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,245 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | MATTHEW THORNTON HEALTH PLAN, INC. | 1,059 | $8.9M |
| Dental | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | 1,166 | $597K |
| Vision(3 contracts, 3 carriers) | BLUE CROSS AND BLUE SHIELD OF VERMONT | 772 | $654K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 1,238 | $371K |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY | 1,238 | $371K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 1,238 | $371K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF VERMONT | 98 | $599K |
| Other | ANTHEM LIFE INSURANCE COMPANY | 1,238 | $371K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,238 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.