| 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 | $71K | $0 | $71K | 9.97% |
| GRANITE GROUP BENEFITS, LLC3 | 1001 ELM STREET, SUITE 301 MANCHESTER, NH 03101 | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | $4K | $0 | $4K | 3.08% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES, LLC | 2 DELTA DRIVE, STE 301 CONCORD, NH 03301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $4K | $4K | 12.41% |
| GCG FINANCIAL LLC3 Filed as: GRANITE GROUP BENEFITS, AN ALERA | 1001 ELM STREET, SUITE 301 MANCHESTER, NH 03101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 11.88% |
| 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 | 10.08% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES, LLC DBA CSONE | PO BOX 1320 CONCORD, NH 03302 | RED TREE INSURANCE COMPANY, INC. | $203 | $0 | $203 | 1.51% |
| GCG FINANCIAL LLC3 Filed as: GRANITE GROUP BENEFITS, AN ALERA | 1001 ELM STREET, SUITE 301 MANCHESTER, NH 03101 | MANHATTANLIFE | $113 | $0 | $113 | 4.67% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTH PLANS, INC. EIN 04-2734278 THIRD PARTY ADMINISTRATO | Other services; Claims processing 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 | 184 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 184 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | 216 | $126K |
| Vision | RED TREE INSURANCE COMPANY, INC. | 169 | $13K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 184 | $29K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 184 | $29K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 184 | $29K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 123 | $710K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 184 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 216 | — |
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.