| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE PLANNING GROUP2 Filed as: INSURANCE PLANNING GROUP INC | 85 WASHINGTON STREET KEENE, NH 03431 | HEALTH PLANS INC | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTH PLANS INC EIN 04-2734278 N/A | Other services; Claims processing Service code 12 | — | $595K |
| DELTA DENTAL PLAN OF NEW HAMPSHIRE EIN 02-0273013 CLAIMS PROCESSING | Claims processing Service code 12 | — | $76K |
| INSURANCE PLANNING GROUP EIN 02-0445207 BROKER | Insurance agents and brokers Service code 22 | — | $66K |
| COMBINED SERVICES LLC EIN 02-0479434 BROKER | Insurance agents and brokers Service code 22 | — | $5K |
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 | 707 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 707 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH PLANS INC | 707 | $82K |
| Prescription drug | HEALTH PLANS INC | 707 | $82K |
| Stop-loss / reinsurancereinsurance | HEALTH PLANS INC | 707 | $82K |
| Other | ANTHEM HEALTH PLANS OF NEW HAMPSHIRE | 1,000 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,000 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.