| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROSS INSURANCE3 Filed as: CROSS INSURANCE INC | 1100 ELM STREET MANCHESTER, NH 03101 | HARVARD PILGRIM HEALTH CARE OF NE INC - MA | $28K | $0 | $28K | 2.01% |
| CROSS INSURANCE3 Filed as: CROSS INSURANCE INC | PO BOX 133 BANGOR, ME 04402 | HARVARD PILGRIM HEALTH CARE OF NE INC - MA | $0 | $3K | $3K | 0.23% |
| CROSS INSURANCE3 Filed as: CROSS INSURANCE INC | 1100 ELM STREET MANCHESTER, NH 03101 | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | $4K | — | $4K | 5.03% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $3K | $13K | 25.01% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $546 | $546 | 1.07% |
| CROSS INSURANCE3 Filed as: CROSS INSURANCE INC | 1100 ELM STREET MANCHESTER, NH 03101 | VISION SERVICE PLAN | $746 | — | $746 | 7.50% |
| GIS BENEFITS INC3 | 9500 KOGER AVENUE, SUITE 200 SAINT PETERSBURG, FL 33702 | METLIFE LEGAL PLANS | $315 | $0 | $315 | 26.92% |
| FIAI INC3 Filed as: FIAI, INC. | 1100 ELM STREET MANCHESTER, NH 03101 | METLIFE LEGAL PLANS | $117 | — | $117 | 10.00% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON-CHAPMAN BENEFIT ADMINISTRATORS | PO BOX 9201 AUSTIN, TX 78766 | METLIFE LEGAL PLANS | — | $59 | $59 | 5.04% |
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 | 149 | 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) | 149 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HARVARD PILGRIM HEALTH CARE OF NE INC - MA | 127 | $1.4M |
| Dental | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | 169 | $88K |
| Vision | VISION SERVICE PLAN | 78 | $10K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 149 | $51K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 149 | $51K |
| Prescription drug | HARVARD PILGRIM HEALTH CARE OF NE INC - MA | 127 | $1.4M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 149 | $52K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 169 | — |
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.