| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: BORISLOW INSURANCE AGENCY, INC. | ONE GRIFFIN BROOK DRIVE METHUEN, MA 01844 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $45K | $45K | 3.07% |
| INSURANCE PLANNING GROUP3 Filed as: INSURANCE PLANNING GROUP INC | 85 WASHINGTON STREET KEENE, NH 03431 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $2K | $2K | 0.11% |
| ASSUREDPARTNERS3 Filed as: BORISLOW INSURANCE AGENCY, INC. | ONE GRIFFIN BROOK DRIVE METHUEN, MA 01844 | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | $4K | $0 | $4K | 5.02% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES, LLC | PO BOX 1320 CONCORD, NH 03302 | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | $1K | $0 | $1K | 1.23% |
| ASSUREDPARTNERS3 Filed as: BORISLOW INSURANCE AGENCY, INC. | ONE GRIFFIN BROOK DRIVE METHUEN, MA 01844 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $4K | $11K | 16.97% |
| ROBERT S. TAPPAN3 | 300 OHIO AVENUE MANCHESTER, NH 03104 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $23 | $1K | 10.49% |
| ASSUREDPARTNERS3 Filed as: BORISLOW INSURANCE AGENCY, INC. | ONE GRIFFIN BROOK DRIVE METHUEN, MA 01844 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $920 | $0 | $920 | 8.61% |
| INSURANCE PLANNING GROUP3 Filed as: INSURANCE PLANNING GROUP INC | 85 WASHINGTON STREET KEENE, NH 03431 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $324 | $0 | $324 | 3.03% |
| JAMES A. THOMPSON3 | 299 COLBY ROAD WEARE, NH 03281 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $136 | $48 | $184 | 1.72% |
| BUSINESS INSURANCE AGENCY3 Filed as: BUSINESS BENEFITS AND OTHER AGENTS | 4 PUNCHARD AVENUE ANDOVER, MA 01810 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $123 | $0 | $123 | 1.15% |
| SONYA L KINCH3 Filed as: SONYA L. KINCH | 470 PLEASANT STREET NORWOOD, MA 02062 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $98 | $0 | $98 | 0.92% |
| MCNEIL VOLUNTARY BENEFITS GROUP3 | 9 ACORN CIRCLE MEDFIELD, MA 02052 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $41 | $39 | $80 | 0.75% |
| ASSUREDPARTNERS3 Filed as: BORISLOW INSURANCE AGENCY, INC. | ONE GRIFFIN BROOK DRIVE METHUEN, MA 01844 | VISION SERVICE PLAN | $679 | $0 | $679 | 7.43% |
| ROBERT S. TAPPAN3 | 300 OHIO AVENUE MANCHESTER, NH 03104 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $20 | $1K | 11.52% |
| ASSUREDPARTNERS3 Filed as: BORISLOW INSURANCE AGENCY, INC. | ONE GRIFFIN BROOK DRIVE METHUEN, MA 01844 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $620 | $0 | $620 | 6.82% |
| INSURANCE PLANNING GROUP3 Filed as: INSURANCE PLANNING GROUP INC | 85 WASHINGTON STREET KEENE, NH 03431 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $378 | $0 | $378 | 4.16% |
| JAMES A. THOMPSON3 | 299 COLBY ROAD WEARE, NH 03281 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $124 | $43 | $167 | 1.84% |
| MCNEIL VOLUNTARY BENEFITS GROUP3 | 9 ACORN CIRCLE MEDFIELD, MA 02052 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $18 | $17 | $35 | 0.39% |
| JOSEPH P. ANDREWS3 | 86 NASHUA ROAD, SUITE 1311 LONDONDERRY, NH 03053 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $29 | $0 | $29 | 0.32% |
| EMPLOYEE BENEFITS AND OTHER AGENTS3 | UNKNOWN PORTLAND, ME 04101 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $10 | $0 | $10 | 0.11% |
| ROBERT S. TAPPAN3 | 300 OHIO AVENUE MANCHESTER, NH 03104 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $302 | $3 | $305 | 7.69% |
| INSURANCE PLANNING GROUP3 Filed as: INSURANCE PLANNING GROUP INC | 85 WASHINGTON STREET KEENE, NH 03431 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $209 | $0 | $209 | 5.27% |
| ASSUREDPARTNERS3 Filed as: BORISLOW INSURANCE AGENCY, INC. | ONE GRIFFIN BROOK DRIVE METHUEN, MA 01844 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $62 | $0 | $62 | 1.56% |
| JAMES A. THOMPSON3 | 299 COLBY ROAD WEARE, NH 03281 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $23 | $7 | $30 | 0.76% |
| JOSEPH P. ANDREWS3 | 86 NASHUA ROAD, SUITE 1311 LONDONDERRY, NH 03053 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $21 | $0 | $21 | 0.53% |
| EMPLOYEE BENEFITS CONSULTANTS3 | UNKNOWN PORTLAND, ME 04101 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6 | $0 | $6 | 0.15% |
| MJ INSURANCE3 Filed as: MCNEIL BENEFITS AND VARIOUS AGENTS | 9 ACORN CIRCLE MEDFIELD, MA 02052 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3 | $2 | $5 | 0.13% |
| ROBERT S. TAPPAN3 | 300 OHIO AVENUE MANCHESTER, NH 03104 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $501 | $11 | $512 | 13.79% |
| ASSUREDPARTNERS3 Filed as: BORISLOW INSURANCE AGENCY, INC. | ONE GRIFFIN BROOK DRIVE METHUEN, MA 01844 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $415 | $0 | $415 | 11.18% |
| INSURANCE PLANNING GROUP3 Filed as: INSURANCE PLANNING GROUP INC | 85 WASHINGTON STREET KEENE, NH 03431 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $118 | $0 | $118 | 3.18% |
| JAMES A. THOMPSON3 | 299 COLBY ROAD WEARE, NH 03281 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $60 | $22 | $82 | 2.21% |
| MCNEIL VOLUNTARY BENEFITS GROUP3 | 9 ACORN CIRCLE MEDFIELD, MA 02052 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $11 | $10 | $21 | 0.57% |
| JOSEPH P. ANDREWS3 | 86 NASHUA ROAD, SUITE 1311 LONDONDERRY, NH 03053 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $10 | $0 | $10 | 0.27% |
| EMPLOYEE BENEFITS AND OTHER AGENTS3 | UNKNOWN PORTLAND, ME 04101 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5 | $0 | $5 | 0.13% |
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 | 151 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 152 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 173 | $1.5M |
| Dental | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | 175 | $88K |
| Vision | VISION SERVICE PLAN | 85 | $9K |
| Life insurance(5 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 195 | $91K |
| Short-term disability(4 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 195 | $87K |
| Long-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 195 | $67K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 173 | $1.5M |
| Other(5 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 195 | $91K |
| 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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.