| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: GRANITE GROUP BENEFITS AN ALERA | 1001 ELM STREET, SUITE 301 MANCHESTER, NH 03101 | ANTHEM HEALTH PLANS OF NEW HAMPSHIRE, INC. | $228K | $288K | $516K | 0.60% |
| THE ROWLEY AGENCY3 Filed as: THE ROWLEY AGENCY INC | PO BOX 511 CONCORD, NH 03302 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $157K | $10K | $167K | 12.37% |
| THE ROWLEY AGENCY3 Filed as: THE ROWLEY AGENCY INC. | PO BOX 511 CONCORD, NH 03302 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $53K | $3K | $56K | 15.83% |
| THE ROWLEY AGENCY3 Filed as: THE ROWLEY AGENCY INC. | PO BOX 511 CONCORD, NH 03302 | UNUM INSURANCE COMPANY | $24K | $1K | $25K | 15.83% |
| THE ROWLEY AGENCY3 Filed as: THE ROWLEY AGENCY INC. | PO BOX 511 CONCORD, NH 03302 | UNUM INSURANCE COMPANY | $17K | $2K | $18K | 13.37% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DELTA DENTAL PLAN OF NEW HAMPSHIRE EIN 02-0273013 DENTAL CLAIMS PROCESSING | Claims processing Service code 12 | — | $455K |
| GRANITE GROUP BENEFITS AN ALERA EIN 85-3787459 BROKER | Insurance agents and brokers Service code 22 | — | $44K |
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 | 4,707 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 38 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 4,745 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF NEW HAMPSHIRE, INC. | 9,400 | $85.8M |
| Vision | ANTHEM HEALTH PLANS OF NEW HAMPSHIRE, INC. | 9,400 | $85.8M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 4,707 | $1.4M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 4,707 | $1.4M |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 4,707 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,400 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.