| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE PLANNING GROUP3 Filed as: INSURANCE PLANNING GROUP INC. | 85 WASHINGTON ST. KEENE, NH 034313103 | HARVARD PILGRIM HEALTH CARE OF NE INC. | $45K | — | $45K | 2.42% |
| INSURANCE PLANNING GROUP3 Filed as: INSURANCE PLANNING GROUP INC. | 85 WASHINGTON ST. KEENE, NH 03431 | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | $4K | — | $4K | 4.88% |
| COMBINED SERVICES LLC3 | P.O. BOX 1320 CONCORD, NH 033021320 | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | $934 | — | $934 | 1.16% |
| INSURANCE PLANNING GROUP3 Filed as: INSURANCE PLANNING GROUP INC. | 85 WASHINGTON ST. KEENE, NH 034313103 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $5K | 14.51% |
| INSURANCE PLANNING GROUP3 Filed as: INSURANCE PLANNING GROUP INC. | 85 WASHINGTON STREET KEENE, NH 034313103 | HPHC INSURANCE COMPANY | $729 | — | $729 | 2.42% |
| INSURANCE PLANNING GROUP3 Filed as: INSURANCE PLANNING GROUP INC. | 85 WASHINGTON ST. KEENE, NH 03431 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $4K | 14.87% |
| ROBERT S. TAPPAN3 | 300 OHIO AVE MANCHESTER, NH 03104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $108 | $2K | 10.34% |
| INSURANCE PLANNING GROUP3 Filed as: INSURANCE PLANNING GROUP INC. | 85 WASHINGTON ST. KEENE, NH 03431 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 9.45% |
| JOSEPH P. ANDREWS3 | 86 NASHUA ROAD, #1311 LONDONDERRY, NH 03053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $207 | $2 | $209 | 1.14% |
| EMPLOYEE BENEFIT CONSULTANTS3 | C/O COLONIAL LIFE INSURANCE CO PORTLAND, ME 04101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $109 | $19 | $128 | 0.70% |
| DEBRA DIANE RAYBORN3 | 5 WEST HANCOCK STREET STONEHAM, MA 02180 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $4 | $7 | 0.04% |
| INSURANCE PLANNING GROUP3 Filed as: INSURANCE PLANNING GROUP INC. | 85 WASHINGTON ST. KEENE, NH 034313103 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $532 | $2K | 19.56% |
| INSURANCE PLANNING GROUP3 Filed as: INSURANCE PLANNING GROUP INC. | 85 WASHINGTON ST. KEENE, NH 034313103 | HUMANA INSURANCE COMPANY | $963 | — | $963 | 9.91% |
| ROBERT S. TAPPAN3 | 300 OHIO AVE MANCHESTER, NH 03104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $735 | $55 | $790 | 13.37% |
| INSURANCE PLANNING GROUP3 Filed as: INSURANCE PLANNING GROUP INC. | 85 WASHINGTON ST. KEENE, NH 03431 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $715 | $0 | $715 | 12.10% |
| JOSEPH P. ANDREWS3 | 86 NASHUA ROAD, #1311 LONDONDERRY, NH 03053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $75 | $1 | $76 | 1.29% |
| EMPLOYEE BENEFIT CONSULTANTS3 | C/O COLONIAL LIFE INSURANCE CO PORTLAND, ME 04101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $57 | $10 | $67 | 1.13% |
| ROBERT S. TAPPAN3 | 300 OHIO AVE MANCHESTER, NH 03104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $241 | $15 | $256 | 8.85% |
| INSURANCE PLANNING GROUP3 Filed as: INSURANCE PLANNING GROUP INC. | 85 WASHINGTON ST. KEENE, NH 03431 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $238 | $0 | $238 | 8.23% |
| JOSEPH P. ANDREWS3 | 86 NASHUA ROAD, #1311 LONDONDERRY, NH 03053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $28 | $0 | $28 | 0.97% |
| EMPLOYEE BENEFIT CONSULTANTS3 | C/O COLONIAL LIFE INSURANCE CO PORTLAND, ME 04101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | $3 | $21 | 0.73% |
| ROBERT S. TAPPAN3 | 300 OHIO AVE MANCHESTER, NH 03104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $421 | $34 | $455 | 19.11% |
| INSURANCE PLANNING GROUP3 Filed as: INSURANCE PLANNING GROUP INC. | 85 WASHINGTON STREET KEENE, NH 034313103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $432 | $0 | $432 | 18.14% |
| JOSEPH P. ANDREWS3 | 86 NASHUA ROAD, #1311 LONDONDERRY, NH 03053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $40 | $1 | $41 | 1.72% |
| EMPLOYEE BENEFIT CONSULTANTS3 | C/O COLONIAL LIFE INSURANCE CO PORTLAND, ME 04101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $35 | $6 | $41 | 1.72% |
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 | 180 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 182 | 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. | 231 | $1.9M |
| Dental | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | 166 | $81K |
| Vision | HUMANA INSURANCE COMPANY | 77 | $10K |
| Life insurance(5 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 218 | $59K |
| Short-term disability(5 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 48 | $61K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 31 | $12K |
| Other(5 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 218 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 231 | — |
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.