| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LANDMARK BENEFITS INC3 | 183 ROCKINGHAM ROAD, 2 EAST WINDHAM, NH 03087 | MATTHEW THORNTON HEALTH PLAN, INC. | $36K | — | $36K | 1.70% |
| LANDMARK BENEFITS INC3 | 183 ROCKINGHAM ROAD, 2 EAST WINDHAM, NH 03087 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $36K | $7K | $44K | 21.91% |
| LANDMARK BENEFITS INC3 | 183 ROCKINGHAM ROAD, 2 EAST WINDHAM, NH 03087 | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | $7K | — | $7K | 4.95% |
| COMBINED SERVICES LLC3 | PO BOX 1320 CONCORD, NH 03302 | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | $2K | — | $2K | 1.23% |
| LANDMARK BENEFITS INC3 | 183 ROCKINGHAM ROAD, 2 EAST WINDHAM, NH 03087 | HRC TOTAL SOLUTIONS | — | — | $0 | — |
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 | 262 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 262 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MATTHEW THORNTON HEALTH PLAN, INC. | 285 | $2.1M |
| Dental | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | 233 | $133K |
| Vision | MATTHEW THORNTON HEALTH PLAN, INC. | 285 | $2.1M |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 262 | $199K |
| Short-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 262 | $199K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 262 | $199K |
| Other | HRC TOTAL SOLUTIONS | 17 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 285 | — |
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.