| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: GRANITE GROUP BENEFITS, AN ALERA GR | 1001 ELM STREET, SUITE 301 MANCHESTER, NH 03101 | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | $15K | — | $15K | 4.00% |
| GCG FINANCIAL LLC3 Filed as: GRANITE GROUP BENEFITS, AN ALERA | 1001 ELM STREET, SUITE 301 MANCHESTER, NH 03101 | VISION SERVICE PLAN | $6K | — | $6K | 9.23% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY SE STE 1950 ATLANTA, GA 30339 | VISION SERVICE PLAN | $491 | — | $491 | 0.78% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MATTHEW THORNTON HEALTH PLANS EIN 02-0494919 SERVICE PROVIDER | Contract Administrator; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Float revenue Service code 12 | — | $363K |
| GRANITE GROUP BENEFITS SERVICE PROVIDER | Insurance brokerage commissions and fees; Insurance agents and brokers; Non-monetary compensation; Other commissions Service code 22 | 1001 ELM STREET SUITE 301 MANCHESTER, NH 03101 | $0 |
| ANTHEM HEALTH PLANS OF NEW HAMPSHIR EIN 02-0510530 SERVICE PROVIDER | Other services; Contract Administrator; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing Service code 12 | — | -$301K |
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 | 360 | 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. |
| Total participants (= "Plan participants" tile) | 360 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | 643 | $371K |
| Vision | VISION SERVICE PLAN | 225 | $63K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 643 | — |
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.