| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE ROWLEY AGENCY3 Filed as: ROWLEY AGENCY, INC. | 45 CONSTITUTION AVENUE CONCORD, NH 03301 | HCC LIFE INSURANCE COMPANY | $72K | — | $72K | 9.97% |
| GRANITE GROUP BENEFITS, LLC3 | 1001 ELM STREET, SUITE 301 MANCHESTER, NH 03101 | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | $4K | $0 | $4K | 3.09% |
| GCG FINANCIAL LLC3 Filed as: GRANITE GROUP BENEFITS, AN ALERA | 1001 ELM STREET, SUITE 301 MANCHESTER, NH 03101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $0 | $8K | 10.24% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES, LLC | 2 DELTA DRIVE, STE 301 CONCORD, NH 03301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $6K | $6K | 7.50% |
| GCG FINANCIAL LLC3 Filed as: GRANITE GROUP BENEFITS AN ALERA | 1001 ELM STREET, SUITE 301 MANCHESTER, NH 03101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| GCG FINANCIAL LLC3 Filed as: GRANITE GROUP BENEFITS AN ALERA | 1001 ELM STREET, SUITE 301 MANCHESTER, NH 03101 | RED TREE INSURANCE COMPANY, INC. | $1K | $0 | $1K | 10.03% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES, LLC DBA CSONE | PO BOX 1320 CONCORD, NH 03302 | RED TREE INSURANCE COMPANY, INC. | $187 | $0 | $187 | 1.51% |
| GCG FINANCIAL LLC3 Filed as: GRANITE GROUP BENEFITS, AN ALERA | 1001 ELM STREET, SUITE 301 MANCHESTER, NH 03101 | MANHATTANLIFE | $188 | $0 | $188 | 6.11% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTH PLANS, INC. EIN 04-2734278 THIRD PARTY ADMINISTRATO | Claims processing; Other services Service code 12 | — | $58K |
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 | 176 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 176 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | 128 | $114K |
| Vision | RED TREE INSURANCE COMPANY, INC. | 170 | $12K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 176 | $74K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 176 | $74K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 176 | $74K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 110 | $727K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 176 | $77K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 176 | — |
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.