| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE PLANNING GROUP3 Filed as: INSURANCE PLANNING GROUP INC. | 85 WASHINGTON STREET KEENE, NH 03431 | HARVARD PILGRIM HEALTH CARE OF NE INC | $39K | $0 | $39K | 2.26% |
| INSURANCE PLANNING GROUP3 Filed as: INSURANCE PLANNING GROUP INC. | 85 WASHINGTON STREEN KEENE, NH 03431 | HARVARD PILGRIM HEALTH CARE OF NE INC | $4K | $0 | $4K | 0.23% |
| INSURANCE PLANNING GROUP3 Filed as: INSURANCE PLANNING GROUP INC. | 85 WASHINGTON STREET KEENE, NH 03431 | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | $4K | $0 | $4K | 4.19% |
| COMBINED SERVICES LLC3 | PO BOX 1320 CONCORD, NH 03302 | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | $956 | $0 | $956 | 1.14% |
| ASSUREDPARTNERS3 Filed as: BORISLOW INSURANCE AGENCY, INC. | ONE GRIFFIN BROOK DRIVE METHUEN, MA 01844 | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | $614 | $0 | $614 | 0.73% |
| INSURANCE PLANNING GROUP3 Filed as: INSURANCE PLANNING GROUP INC. | 85 WASHINGTON STREET KEENE, NH 03431 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $0 | $6K | 8.42% |
| ASSUREDPARTNERS3 Filed as: BORISLOW INSURANCE AGENCY, INC. | ONE GRIFFIN BROOK DRIVE METHUEN, MA 01844 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.45% |
| INSURANCE PLANNING GROUP3 Filed as: INSURANCE PLANNING GROUP INC. | 85 WASHINGTON STREET KEENE, NH 03431 | HPHC INSURANCE COMPANY | $786 | $0 | $786 | 2.49% |
| ROBERT S. TAPPAN3 | 300 OHIO AVENUE MANCHESTER, NH 03104 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $22 | $1K | 10.15% |
| INSURANCE PLANNING GROUP3 Filed as: INSURANCE PLANNING GROUP INC. | 85 WASHINGTON STREET KEENE, NH 03431 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 9.75% |
| JAMES A. THOMPSON3 | 299 COLBY ROAD WEARE, NH 03281 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $149 | $11 | $160 | 1.11% |
| JOSEPH P. ANDREWS3 | 86 NASHUA ROAD, SUITE 1311 LONDONDERRY, NH 03053 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $64 | $0 | $64 | 0.44% |
| DEBRA DIANE RAYBORN3 | 5 WEST HANCOCK STREET STONEHAM, MA 02180 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $35 | $0 | $35 | 0.24% |
| EMPLOYEE BENEFIT CONSULTANTS3 | UNKNOWN PORTLAND, ME 04101 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $18 | $1 | $19 | 0.13% |
| INSURANCE PLANNING GROUP3 | 85 WASHINGTON STREET KEENE, NH 03431 | HUMANA INSURANCE COMPANY | $972 | $0 | $972 | 9.96% |
| ROBERT S. TAPPAN3 | 300 OHIO AVENUE MANCHESTER, NH 03104 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $850 | $14 | $864 | 11.21% |
| INSURANCE PLANNING GROUP3 Filed as: INSURANCE PLANNING GROUP INC. | 85 WASHINGTON STREET KEENE, NH 03431 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $859 | $0 | $859 | 11.15% |
| JAMES A. THOMPSON3 | 299 COLBY ROAD WEARE, NH 03281 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $103 | $8 | $111 | 1.44% |
| DEBRA DIANE RAYBORN3 | 5 WEST HANCOCK STREET STONEHAM, MA 02180 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $26 | $0 | $26 | 0.34% |
| JOSEPH P. ANDREWS3 | 86 NASHUA ROAD, SUITE 1311 LONDONDERRY, NH 03053 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $22 | $0 | $22 | 0.29% |
| EMPLOYEE BENEFIT CONSULTANTS3 | UNKNOWN PORTLAND, ME 04101 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $8 | $0 | $8 | 0.10% |
| ROBERT S. TAPPAN3 | 300 OHIO AVENUE MANCHESTER, NH 03104 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $888 | $17 | $905 | 13.46% |
| INSURANCE PLANNING GROUP3 Filed as: INSURANCE PLANNING GROUP INC. | 85 WASHINGTON STREET KEENE, NH 03431 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $898 | $0 | $898 | 13.35% |
| JAMES A. THOMPSON3 | 299 COLBY ROAD WEARE, NH 03281 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $115 | $9 | $124 | 1.84% |
| DEBRA DIANE RAYBORN3 | 5 WEST HANCOCK STREET STONEHAME, MA 02180 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $23 | $0 | $23 | 0.34% |
| JOSEPH P. ANDREWS3 | 86 NASHUA ROAD, SUITE 1311 LONDONDERRY, NH 03053 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $17 | $0 | $17 | 0.25% |
| EMPLOYEE BENEFIT CONSULTANTS3 | UNKNOWN PORTLAND, ME 04101 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5 | $0 | $5 | 0.07% |
| ROBERT S. TAPPAN3 | 300 OHIO AVENUE MANCHESTER, NH 03104 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $88 | $0 | $88 | 3.94% |
| INSURANCE PLANNING GROUP3 Filed as: INSURANCE PLANNING GROUP INC. | 85 WASHINGTON STREET KEENE, NH 03431 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $70 | $0 | $70 | 3.14% |
| JOSEPH P. ANDREWS3 | 86 NASHUA ROAD, SUITE 1311 LONDONDERRY, NH 03053 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $9 | $0 | $9 | 0.40% |
| DEBRA DIANE RAYBORN3 | 5 WEST HANCOCK STREET STONEHAM, MA 02180 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5 | $0 | $5 | 0.22% |
| EMPLOYEE BENEFIT CONSULTANTS3 | UNKNOWN PORTLAND, ME 04101 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5 | $0 | $5 | 0.22% |
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 | 361 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 361 | 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 | 210 | $1.8M |
| Dental | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | 153 | $84K |
| Vision | HUMANA INSURANCE COMPANY | 79 | $10K |
| Life insurance(5 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 361 | $98K |
| Short-term disability(5 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 361 | $98K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 361 | $67K |
| Prescription drug(2 contracts, 2 carriers) | HARVARD PILGRIM HEALTH CARE OF NE INC | 210 | $1.8M |
| Other(5 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 361 | $98K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 361 | — |
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.