| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROSS INSURANCE3 Filed as: CROSS INSURANCE, INC. | 1100 ELM STREET MANCHESTER, NH 03101 | MATTHEW THORNTON HEALTH PLAN, INC. | $76K | $16K | $92K | 3.34% |
| CROSS BENEFIT SOLUTIONS3 | 2367 CONGRESS STREET PORTLAND, ME 04102 | MATTHEW THORNTON HEALTH PLAN, INC. | $0 | $178 | $178 | 0.01% |
| CROSS INSURANCE3 Filed as: CROSS INSURANCE, INC. | 1100 ELM STREET MANCHESTER, NH 03101 | STANDARD INSURANCE COMPANY | $15K | $0 | $15K | 12.57% |
| CROSS BENEFIT SOLUTIONS3 | 2367 CONGRESS STREET PORTLAND, ME 04102 | STANDARD INSURANCE COMPANY | $0 | $3K | $3K | 3.03% |
| CROSS INSURANCE3 Filed as: CROSS INSURANCE, INC. | 1100 ELM STREET MANCHESTER, NH 03101 | ANTHEM HEALTH PLANS OF NEW HAMPSHIRE, INC. | $2K | $387 | $2K | 3.34% |
| CROSS BENEFIT SOLUTIONS3 | 2367 CONGRESS STREET PORTLAND, ME 04102 | ANTHEM HEALTH PLANS OF NEW HAMPSHIRE, INC. | $0 | $4 | $4 | 0.01% |
| CROSS INSURANCE3 Filed as: CROSS INSURANCE, INC. | 1100 ELM STREET MANCHESTER, NH 03101 | ANTHEM LIFE INSURANCE COMPANY | $3K | $0 | $3K | 6.97% |
No Schedule C service providers reported on this filing.
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 | 216 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 219 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | MATTHEW THORNTON HEALTH PLAN, INC. | 354 | $2.8M |
| Vision | ANTHEM HEALTH PLANS OF NEW HAMPSHIRE, INC. | 351 | $68K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 268 | $156K |
| Short-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 268 | $156K |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 268 | $156K |
| Prescription drug(2 contracts, 2 carriers) | MATTHEW THORNTON HEALTH PLAN, INC. | 354 | $2.8M |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 268 | $156K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 354 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.