| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GRANITE GROUP BENEFITS, LLC3 | 1001 ELM STREET, SUITE 301 MANCHESTER, NH 03101 | HARVARD PILGRIM HEALTH CARE OF NE INC. - MA | $27K | $0 | $27K | 2.65% |
| GRANITE GROUP BENEFITS, LLC3 | 1001 ELM STREET, SUITE 301 MANCHESTER, NH 03101 | HPHC INSURANCE COMPANY | $11K | $0 | $11K | 2.63% |
| GRANITE GROUP BENEFITS, LLC3 | 1001 ELM STREET, SUITE 301 MANCHESTER, NH 03101 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | $0 | $7K | 8.35% |
| HPHC INSURANCE AGENCY, INC.3 | 93 WORCESTER STREET WELLESLEY HILLS, MA 02481 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 5.97% |
| COMBINED SERVICES LLC3 | 15 NORTH MAIN STREET SUITE 300 CONCORD, NH 03301 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 1.82% |
| GRANITE GROUP BENEFITS, LLC3 | 1001 ELM STREET, SUITE 301 MANCHESTER, NH 03101 | RED TREE INSURANCE COMPANY, INC. | $958 | $0 | $958 | 9.94% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES, LLC DBA CSONE | PO BOX 1320 CONCORD, NH 033021320 | RED TREE INSURANCE COMPANY, INC. | $144 | $0 | $144 | 1.49% |
| GRANITE GROUP BENEFITS, LLC3 | 1001 ELM STREET, SUITE 301 MANCHESTER, NH 03101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4 | $0 | $4 | 2.07% |
| MCGARRY, MICHAEL, PATRICK3 | 9 DUNN ESTS SCARBOROUGH, ME 04074 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4 | $0 | $4 | 2.07% |
| GRANITE GROUP BENEFITS, LLC3 | 1001 ELM STREET, SUITE 301 MANCHESTER, NH 03101 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 1.27% |
| MCGARRY, MICHAEL, PATRICK3 | 9 DUNN ESTS SCARBOROUGH, ME 04074 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.64% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SUN LIFE ASSURANCE COMPANY OF CANAD EIN 38-1082080 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 | 121 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 124 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HARVARD PILGRIM HEALTH CARE OF NE INC. - MA | 140 | $1.4M |
| Vision | RED TREE INSURANCE COMPANY, INC. | 220 | $10K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 121 | $83K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 121 | $83K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 121 | $83K |
| Other(3 contracts, 3 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 121 | $84K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 220 | — |
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.