| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN & BROWN INSURANCE SERVICES3 Filed as: STEPHEN M. BROWN | 100 ARBORETUM DRIVE SUITE 140 NEWINGTON, NH 03801 | NORTHWESTERN MUTUAL | $5K | $1K | $6K | 2.85% |
| JOSHUA A. DENN3 | 100 ARBORETURM DRIVE SUITE 140 NEWINGTON, NH 03801 | NORTHWESTERN MUTUAL | $495 | $178 | $673 | 0.31% |
| JMK GROUP LLC3 | 1000 ELM STREET 15TH FLOOR MANCHESTER, NH 03101 | NORTHWESTERN MUTUAL | $495 | $59 | $554 | 0.25% |
| JEREMY FRYE & ASSOCIATES INC3 Filed as: JEREMY TAYLOR STOWE | 275 PROMENADE STREET SUITE 300 PROVIDENCE, RI 02908 | NORTHWESTERN MUTUAL | $50 | $12 | $62 | 0.03% |
| PETER J WARREN3 Filed as: PETER J. WARREN | 275 PROMENADE STREET SUITE 300 PROVIDENCE, RI 02908 | NORTHWESTERN MUTUAL | $5 | $2 | $7 | 0.00% |
| RUSSO GROUP LLC3 Filed as: RUSSO GRP LLC | 875 3RD AVE, FL 23 NEW YORK, NY 10022 | NORTHWESTERN MUTUAL | $5 | $1 | $6 | 0.00% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: STEPHEN M. BROWN | 100 ARBORETUM DR SUITE 140 NEWINGTON, NH 03801 | NORTHWESTERN MUTUAL | $8K | $2K | $10K | 5.71% |
| JOSHUA A. DENN3 | 100 ARBORETUM DRIVE SUITE 140 NEWINGTON, NH 03801 | NORTHWESTERN MUTUAL | $1K | $432 | $2K | 0.97% |
| JMK GROUP LLC3 | 1000 ELM STREET 15TH FLOOR MANCHESTER, NH 03101 | NORTHWESTERN MUTUAL | $768 | $92 | $860 | 0.51% |
| JEREMY FRYE & ASSOCIATES INC3 Filed as: JEREMY TAYLOR STOWE | 275 PROMENADE STREET SUITE 300 PROVIDENCE, RI 02908 | NORTHWESTERN MUTUAL | $77 | $20 | $97 | 0.06% |
| PETER J WARREN3 Filed as: PETER J. WARREN | 275 PROMENADE STREET SUITE 300 PROVIDENCE, RI 02908 | NORTHWESTERN MUTUAL | $12 | $4 | $16 | 0.01% |
| RUSSO GROUP LLC3 Filed as: RUSSO GRP LLC | 875 3RD AVE, FL 23 NEW YORK, NY 10022 | NORTHWESTERN MUTUAL | $8 | $1 | $9 | 0.01% |
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 | 249 | 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) | 249 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | NORTHWESTERN MUTUAL | 302 | $218K |
| Long-term disability | NORTHWESTERN MUTUAL | 249 | $168K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 302 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.