| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SURGE BENEFITS CORPORATION3 | 300 HANOVER STREET MANCHESTER, NH 03104 | MATTHEW THORNTON HEALTH PLAN, INC. | $48K | — | $48K | 1.63% |
| SURGE BENEFITS CORPORATION3 | 300 HANOVER STREET MANCHESTER, NH 03104 | ANTHEM HEALTH PLANS OF NEW HAMPSHIRE, INC. | $29K | — | $29K | 1.73% |
| SURGE BENEFITS CORPORATION3 | 300 HANOVER STREET MANCHESTER, NH 03104 | ANTHEM HEALTH PLANS OF NEW HAMPSHIRE | $7K | — | $7K | 2.01% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP | 133 FEDERAL ST BOSTON, NH 03104 | UNITEDHEALTHCARE INSURANCE COMPANY | $10K | — | $10K | 3.58% |
| SURGE BENEFITS CORPORATION3 Filed as: SURGE BENEFITS CORP | 300 HANOVER ST MANCHESTER, NH 03104 | AMERICAN GENERAL LIFE INSURANCE | $10K | — | $10K | 6.34% |
| SURGE BENEFITS CORPORATION3 | 300 HANOVER ST MANCHESTER, NH 03104 | AXA | $2K | — | $2K | 2.44% |
| SURGE BENEFITS CORPORATION3 | 300 HANOVER ST MANCHESTER, NH 03104 | NATIONAL FINANCIAL PARTNERS | $1K | — | $1K | 2.60% |
| SURGE BENEFITS CORPORATION3 | 300 HANOVER ST MANCHESTER, NH 03104 | HARVARD PILGRIM HEALTH CARE OF NE - INC - MA | $3K | — | $3K | 7.75% |
| SURGE BENEFITS CORPORATION3 | 300 HANOVER STREET MANCHESTER, NH 03104 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 20.00% |
| SURGE BENEFITS CORPORATION3 Filed as: SURGE RESOURCES, INC. | 300 HANOVER STREET MANCHESTER, NH 03104 | BCBS OF MA | $340 | — | $340 | 1.10% |
| SURGE BENEFITS CORPORATION3 | 300 HANOVER ST MANCHESTER, NH 03104 | HARVARD PILGRIM HEALTH CARE OF NE - INC - MA | $2K | — | $2K | 5.64% |
| SURGE BENEFITS CORPORATION3 | 300 HANOVER ST MANCHESTER, NH 03104 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 13.95% |
| SURGE BENEFITS CORPORATION3 | 300 HANOVER ST MANCHESTER, NH 03104 | HARVARD PILGRIM HEALTH CARE OF NE - INC - MA | $1K | — | $1K | 8.40% |
| SURGE BENEFITS CORPORATION3 | 300 HANOVER ST MANCHESTER, NH 03104 | METROPOLITAN LIFE INSURANCE CO. | $665 | — | $665 | 5.43% |
| SURGE BENEFITS CORPORATION3 | 300 HANOVER ST MANCHESTER, NH 03104 | UNION SECURITY INSURANCE COMPANY | $312 | — | $312 | 4.00% |
| SURGE BENEFITS CORPORATION3 | 300 HANOVER ST MANCHESTER, NH 03104 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $188 | — | $188 | 14.96% |
| ENROLLEASE3 Filed as: BALDWIN AND CLARKE | 116 B SO RIVER ROAD MANCHESTER, NH 03104 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2 | — | $2 | 0.16% |
| LIVING LEGACY FINANCIAL GROUP3 | 1 CORP PL 55 DANVERS, MA 01923 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1 | — | $1 | 0.08% |
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 | 420 | 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) | 420 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(8 contracts, 6 carriers) | MATTHEW THORNTON HEALTH PLAN, INC. | 447 | $5.0M |
| Dental(3 contracts, 3 carriers) | ANTHEM HEALTH PLANS OF NEW HAMPSHIRE | 423 | $626K |
| Vision(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF NEW HAMPSHIRE, INC. | 370 | $1.9M |
| Life insurance(6 contracts, 6 carriers) | AMERICAN GENERAL LIFE INSURANCE | 277 | $302K |
| Short-term disability(5 contracts, 5 carriers) | AMERICAN GENERAL LIFE INSURANCE | 277 | $301K |
| Long-term disability(5 contracts, 5 carriers) | AMERICAN GENERAL LIFE INSURANCE | 277 | $301K |
| Prescription drug | ANTHEM HEALTH PLANS OF NEW HAMPSHIRE, INC. | 370 | $1.7M |
| Other(6 contracts, 6 carriers) | AMERICAN GENERAL LIFE INSURANCE | 277 | $302K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 447 | — |
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."
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.