| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE ROWLEY AGENCY3 | 45 CONSTITUTION AVE, PO BOX 511 CONCORD, NH 03301 | HARVARD PILGRIM HEALTH CARE OF NEW ENGLAND | $34K | — | $34K | 5.11% |
| THE ROWLEY AGENCY3 | 45 CONSTITUTION AVE, PO BOX 511 CONCORD, NH 033020511 | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | $3K | — | $3K | 4.92% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES, LLC | PO BOX 1320 CONCORD, NH 033021320 | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | $806 | — | $806 | 1.23% |
| THE ROWLEY AGENCY3 | 45 CONSTITUTION AVE, PO BOX 511 CONCORD, NH 03302 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $868 | $5K | 10.28% |
| THE ROWLEY AGENCY3 | 45 CONSTITUTION AVE, PO BOX 511 CONCORD, NH 033021320 | HPHC INSURANCE COMPANY | $1K | — | $1K | 5.11% |
| THE ROWLEY AGENCY3 | PO BOX 511 CONCORD, NH 03302 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $232 | — | $232 | 1.91% |
| THE ROWLEY AGENCY3 | PO BOX 511 CONCORD, NH 03302 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $133 | — | $133 | 1.09% |
| ASSUREX3 | 175 S THIRD ST., STE 800 COLUMBUS, OH 43215 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | — | $7 | $7 | 0.06% |
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 | 115 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 115 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HARVARD PILGRIM HEALTH CARE OF NEW ENGLAND | 161 | $679K |
| Dental | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | 177 | $66K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 235 | $63K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 235 | $63K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 235 | $63K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 235 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.