| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GRANITE GROUP BENEFITS, LLC3 Filed as: GRANITE GROUP BENEFITS LLC | 101 ELM STREET SUITE 301 MANCHESTER, NH 03101 | MATTHEW THORTON HEALTH PLAN, INC. | $23K | $0 | $23K | 0.79% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND LLC | 300 BALLARDVALE STREET WILMINGTON, MA 01887 | MATTHEW THORTON HEALTH PLAN, INC. | $17K | $0 | $17K | 0.60% |
| GRANITE GROUP BENEFITS, LLC3 Filed as: GRANITE GROUP BENEFITS LLC | 1001 ELM STREET SUITE 301 MANCHESTER, NH 03101 | HARTFORD LIFE AND ACCIDENT | $12K | $0 | $12K | 3.91% |
| GCG FINANCIAL LLC3 Filed as: DBL GENERAL AGENCY | 155 PINELAWN ROAD SUITE 120S MELVILLE, NY 11747 | HARTFORD LIFE AND ACCIDENT | $8K | -$2K | $6K | 1.91% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY N, SUITE 500 DEERFIELD, IL 60015 | HARTFORD LIFE AND ACCIDENT | $0 | $3K | $3K | 0.90% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND LLC | 30 DONALD B DEAN DRIVE SOUTH PORTLAND, ME 04110 | HARTFORD LIFE AND ACCIDENT | $2K | $0 | $2K | 0.79% |
| GRANITE GROUP BENEFITS, LLC3 Filed as: GRANITE GROUP BENEFITS LLC | 1001 ELM STREET SUITE 301 MANCHESTER, NH 03101 | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | $4K | $0 | $4K | 2.37% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND LLC | 300 BALLARDVALE STREET WILMINGTON, MA 01887 | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | $3K | $0 | $3K | 1.82% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND LLC | 1667 ELM STREET, SUITE 3 MANCHESTER, NH 03101 | VISION SERVICE PLAN | $763 | $0 | $763 | 3.84% |
| GRANITE GROUP BENEFITS, LLC3 Filed as: GRANITE GROUP BENEFITS LLC | 1001 ELM STREET SUITE 301 MANCHESTER, NH 03101 | VISION SERVICE PLAN | $725 | $0 | $725 | 3.65% |
| GCG FINANCIAL LLC3 Filed as: DBL GENERAL AGENCY LLC | 155 PINELAWN ROAD SUITE 120S MELVILLE, NY 11747 | VISION SERVICE PLAN | $497 | $0 | $497 | 2.50% |
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 | 191 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 193 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MATTHEW THORTON HEALTH PLAN, INC. | 364 | $2.9M |
| Dental | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | 342 | $179K |
| Vision | VISION SERVICE PLAN | 164 | $20K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 305 | $312K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 305 | $312K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 305 | $312K |
| Prescription drug | MATTHEW THORTON HEALTH PLAN, INC. | 364 | $2.9M |
| Other | HARTFORD LIFE AND ACCIDENT | 305 | $312K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 364 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.