| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE ROWLEY AGENCY3 | 45 CONSTITUTION AVE, PO BOX 511 CONCORD, NH 03302 | HARVARD PILGRIM HEALTH CARE OF NEW ENGLAND | $32K | — | $32K | 4.00% |
| THE ROWLEY AGENCY3 | 45 CONSTITUTION AVE, PO BOX 511 CONCORD, NH 033020511 | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | $4K | — | $4K | 4.99% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES, LLC | PO BOX 1320 CONCORD, NH 033021320 | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | $889 | — | $889 | 1.18% |
| THE ROWLEY AGENCY3 | 45 CONSTITUTION AVE, PO BOX 511 CONCORD, NH 03302 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 9.31% |
| THE ROWLEY AGENCY3 | 45 CONSTITUTION AVE, PO BOX 511 CONCORD, NH 03302 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 18.73% |
| THE ROWLEY AGENCY3 | 45 CONSTITUTION AVE, PO BOX 511 CONCORD, NH 03302 | HPHC INSURANCE COMPANY | $487 | — | $487 | 4.00% |
| THE ROWLEY AGENCY3 | 45 CONSTITUTION AVE, PO BOX 511 CONCORD, NH 03302 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 12.91% |
| THE ROWLEY AGENCY3 | 45 CONSTITUTION AVE, PO BOX 511 CONCORD, NH 03302 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $111 | — | $111 | 1.03% |
| THE ROWLEY AGENCY3 | 45 CONSTITUTION AVE, PO BOX 511 CONCORD, NH 03302 | HPHC INSURANCE CO. MEDENHANCE | $357 | — | $357 | 3.51% |
| THE ROWLEY AGENCY3 | 45 CONSTITUTION AVE, PO BOX 511 CONCORD, NH 03302 | HARVARD PILGRIM HC OF NE HMOLP | $0 | — | $0 | 0.00% |
| THE ROWLEY AGENCY3 | 45 CONSTITUTION AVE, PO BOX 511 CONCORD, NH 033021320 | HPHC INSURANCE COMPANY | $23 | — | $23 | 1.26% |
| THE ROWLEY AGENCY3 | 45 CONSTITUTION AVE, PO BOX 511 CONCORD, NH 03302 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13 | — | $13 | 1.71% |
| MCGARRY, MICHAEL, PATRICK3 | 9 DUNN ESTS SCARBOROUGH, ME 04074 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10 | — | $10 | 1.31% |
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 | 92 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 92 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 4 carriers) | HARVARD PILGRIM HEALTH CARE OF NEW ENGLAND | 161 | $821K |
| Dental | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | 186 | $75K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 126 | $22K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 126 | $39K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 42 | $13K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 126 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 186 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.