| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PLAN MARKETING INSURANCE AGENCY INC3 | 400 GAY STREET MANCHESTER, NH 03108 | SYMETRA LIFE INSURANCE COMPANY | $104K | $39K | $143K | 15.25% |
| INSURANCE PLANNING GROUP3 | 85 WASHINGTON STREET KEENE, NH 03431 | UNION SECURITY INSURANCE COMPANY | $2K | — | $2K | 8.65% |
| PETER A LUNSFORD3 | 81 STARK HWY SOUTH DUNBARTON, NH 03046 | UNION SECURITY INSURANCE COMPANY | $1K | — | $1K | 7.16% |
| INSURANCE PLANNING GROUP3 | 85 WASHINGTON STREET KEENE, NH 03431 | UNION SECURITY INSURANCE COMPANY | $3K | — | $3K | — |
| PETER A LUNSFORD3 | 81 STARK HWY SOUTH DUNBARTON, NH 03046 | UNION SECURITY INSURANCE COMPANY | $3K | — | $3K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTH PLANS INC EIN 04-2734278 THIRD PARTY ADMIN | Other services; Claims processing Service code 12 | — | $229K |
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 | 462 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 462 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNION SECURITY INSURANCE COMPANY | 462 | $0 |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 39 | $19K |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 411 | $940K |
| Other | UNION SECURITY INSURANCE COMPANY | 462 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 462 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.