| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROSS INSURANCE3 Filed as: CROSS INSURANCE INC | 1100 ELM STREET MANCHESTER, NH 03101 | MATTHEW THORNTON HEALTH PLAN, INC. | $57K | $11K | $68K | 3.00% |
| FIAI INC3 | 1100 ELM STREET MANCHESTER, NH 03101 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $1K | $6K | 3.34% |
| LYNN FEAZEL3 | 150A ANDOVER STREET, SUITE 12C DANVERS, MA 01923 | AFLAC | $6K | $363 | $6K | 13.13% |
| CHRISTOPHER C FEAZEL3 Filed as: CHRISTOPHER FAEZEL | 150A ANDOVER STREET, SUITE 12C DANVERS, MA 01923 | AFLAC | $2K | $85 | $2K | 3.89% |
| LINDA DELONG3 | 150A ANDOVER STREET, SUITE 12C DANVERS, MA 01923 | AFLAC | $894 | $0 | $894 | 1.83% |
| DAVID J MCCLELLAN3 Filed as: DAVID HALLETT | 8 BROOKS STREET WINCHESTER, MA 01890 | AFLAC | $648 | $77 | $725 | 1.49% |
| MJ INSURANCE3 Filed as: MARK MANNING AND VARIOUS AGENTS | 54 OLD COLONY WAY, APARTMENT C ORLEANS, MA 02653 | AFLAC | $67 | $0 | $67 | 0.14% |
| BARBARA A. LEONE INC3 Filed as: BARBARA LEONE INC | 14 SHEPPARD ROAD SAGAMORE BEACH, MA 02562 | AFLAC | $62 | $0 | $62 | 0.13% |
| THERESA DEMERS3 | PO BOX 549 MARLBOROUGH, NH 03455 | AFLAC | $55 | $0 | $55 | 0.11% |
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 | 163 | 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) | 163 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MATTHEW THORNTON HEALTH PLAN, INC. | 360 | $2.3M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 161 | $188K |
| Life insurance | AFLAC | 42 | $49K |
| Short-term disability | AFLAC | 42 | $49K |
| Prescription drug | MATTHEW THORNTON HEALTH PLAN, INC. | 360 | $2.3M |
| Other | AFLAC | 42 | $49K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 360 | — |
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.