| 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 | $38K | — | $38K | 5.22% |
| THE ROWLEY AGENCY3 | 45 CONSTITUTION AVE, PO BOX 511 CONCORD, NH 033020511 | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | $4K | — | $4K | 4.93% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES, LLC | PO BOX 1320 CONCORD, NH 033021320 | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | $851 | — | $851 | 1.10% |
| THE ROWLEY AGENCY3 | 45 CONSTITUTION AVE, PO BOX 511 CONCORD, NH 03302 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $429 | $5K | 7.92% |
| THE ROWLEY AGENCY3 | PO BOX 511 CONCORD, NH 03302 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $93 | $2K | 14.45% |
| ASSUREX3 | 175 S THIRD ST., STE 800 COLUMBUS, OH 43215 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | — | $0 | 0.00% |
| THE ROWLEY AGENCY3 | PO BOX 511 CONCORD, NH 03302 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | — | $0 | 0.00% |
| THE ROWLEY AGENCY3 | 45 CONSTITUTION AVE, PO BOX 511 CONCORD, NH 033021320 | HPHC INSURANCE COMPANY | $653 | — | $653 | 5.22% |
| THE ROWLEY AGENCY | 45 CONSTITUTION AVE, PO BOX 511 CONCORD, NH 03301 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $119 | — | $119 | 1.10% |
| THE ROWLEY AGENCY3 | 45 CONSTITUTION AVE, PO BOX 511 CONCORD, NH 03301 | HPHC INSURANCE COMPANY | $554 | — | $554 | 5.21% |
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 | 109 | Currently employed and enrolled or eligible. |
| Retired/separated still eligible | 109 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 218 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | HARVARD PILGRIM HEALTH CARE OF NEW ENGLAND | 157 | $743K |
| Dental | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | 179 | $78K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 122 | $73K |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 122 | $76K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 122 | $73K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 179 | — |
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.