| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE PLANNING GROUP3 Filed as: INSURANCE PLANNING GROUP INC. | 85 WASHINGTON STREET KEENE, VT 03431 | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | $3K | $0 | $3K | 2.52% |
| HAMLIN & ASSOCIATES INC3 | 391 WEST STREET, 2ND FLOOR KEENE, NH 03431 | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | $2K | $0 | $2K | 2.08% |
| COMBINED SERVICES LLC3 | DBA CS ONE BENEFIT SOLUTIONS PO BOX 1320 CONCORD, VT 03302 | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | $829 | $0 | $829 | 0.83% |
| THE RICHARDS GROUP3 Filed as: RICHARDS INC | 48 HARRIS PLACE PO BOX 820 BRATTLEBORO, VT 05302 | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | $399 | $0 | $399 | 0.40% |
| HAMLIN & ASSOCIATES INC3 | 391 WEST STREET, SUITE 2 KEENE, NH 03431 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 7.32% |
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 | 155 | 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) | 156 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | 169 | $100K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 169 | $32K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 169 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 169 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.