| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GRANITE GROUP BENEFITS, LLC3 | 1001 ELM STREET, SUITE 301 MANCHESTER, NH 03101 | HPHC INSURANCE COMPANY | $19K | $0 | $19K | 3.17% |
| GRANITE GROUP BENEFITS, LLC3 | 1001 ELM STREET, SUITE 301 MANCHESTER, NH 03101 | HARVARD PILGRIM HEALTH CARE OF NE INC. - MA | $18K | $4K | $22K | 3.85% |
| GRANITE GROUP BENEFITS, LLC3 | 1001 ELM STREET, SUITE 301 MANCHESTER, NH 03101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $561 | $8K | 11.16% |
| MCGARRY, MICHAEL, PATRICK3 | 9 DUNN ESTS SCARBOROUGH, ME 04074 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $528 | $0 | $528 | 0.70% |
| GRANITE GROUP BENEFITS, LLC3 | 1001 ELM STREET, SUITE 301 MANCHESTER, NH 03101 | RED TREE INSURANCE COMPANY, INC. | $907 | $0 | $907 | 9.93% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES, LLC DBA CSONE | PO BOX 1320 CONCORD, NH 033021320 | RED TREE INSURANCE COMPANY, INC. | $136 | $0 | $136 | 1.49% |
| MCGARRY, MICHAEL, PATRICK3 | 9 DUNN ESTS SCARBOROUGH, ME 04074 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $403 | $0 | $403 | 7.32% |
| GRANITE GROUP BENEFITS, LLC3 | 1001 ELM STREET, SUITE 301 MANCHESTER, NH 03101 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $319 | $10 | $329 | 5.98% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNION SECURITY INSURANCE COMPANY EIN 81-0170040 CONTRACT ADMIN | Claims processing; Other fees Service code 12 | — | $6K |
| GRANITE GROUP BENEFITS, LLC INSURANCE BROKER | Other commissions; Insurance agents and brokers Service code 22 | 1001 ELM STREET, SUITE 301 MANCHESTER, NH 03101 | $1K |
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 | 105 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 106 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HPHC INSURANCE COMPANY | 93 | $1.2M |
| Vision | RED TREE INSURANCE COMPANY, INC. | 195 | $9K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 105 | $76K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 105 | $76K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 105 | $76K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 105 | $81K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 195 | — |
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.