| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SURGE BENEFITS CORPORATION3 | 100 HANOVER STREET MANCHESTER, NH 03104 | MATTHEW THORNTON HEALTH PLAN, INC. | $11K | $0 | $11K | 2.26% |
| PAYCHEX INSURANCE AGENCY, INC.3 | UNKNOWN HENRIETTA, NY 14467 | MATTHEW THORNTON HEALTH PLAN, INC. | $0 | $1 | $1 | 0.00% |
| SURGE BENEFITS CORPORATION3 | UNKNOWN MANCHESTER, NH 03104 | ANTHEM HEALTH PLANS OF NEW HAMPSHIRE, INC. | $101K | $0 | $101K | 29.72% |
| SURGE BENEFITS CORPORATION3 | UNKNOWN MANCHESTER, NH 03104 | MONY LIFE INSURANCE COMPANY OF AMERICA | $20K | $0 | $20K | 6.83% |
| SHIELD BROKERAGE, INC.3 | UNKNOWN EXETER, NH 03833 | MONY LIFE INSURANCE COMPANY OF AMERICA | $0 | $2K | $2K | 0.69% |
| SURGE BENEFITS CORPORATION3 | UNKNOWN MANCHESTER, NH 03104 | ANTHEM HEALTH PLANS OF NEW HAMPSHIRE, INC. | $11K | $0 | $11K | 3.89% |
| SURGE BENEFITS CORPORATION3 | UNKNOWN MANCHESTER, NH 03104 | MATTHEW THORNTON HEALTH PLAN, INC. | $10K | $0 | $10K | 3.75% |
| SURGE BENEFITS CORPORATION3 | 300 HANOVER STREET MANCHESTER, NH 03104 | ANTHEM HEALTH PLANS OF NEW HAMPSHIRE, INC. | $8K | $0 | $8K | 3.32% |
| UNKNOWN3 | UNKNOWN MANCHESTER, NH 03104 | AFLAC | $29K | $0 | $29K | 25.03% |
| SURGE BENEFITS CORPORATION3 | UNKNOWN MANCHESTER, NH 03104 | HARVARD PILGRIM HEALTH CARE OF NE, INC | $5K | $0 | $5K | 5.65% |
| UNKNOWN3 | UNKNOWN MANCHESTER, NH 03104 | UNITEDHEALTHCARE INSURANCE COMPANY | $760 | $0 | $760 | 1.13% |
| SURGE BENEFITS CORPORATION3 | UNKNOWN MANCHESTER, NH 03104 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $136 | $0 | $136 | 0.49% |
| SURGE BENEFITS CORPORATION3 | 300 HANOVER STREET MANCHESTER, NH 03104 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 13.71% |
| SURGE BENEFITS CORPORATION3 | UNKNOWN MANCHESTER, NH 03104 | HPHC INSURANCE COMPANY | $459 | $0 | $459 | 3.37% |
| UNKNOWN3 | UNKNOWN MANCHESTER, NH 03104 | METROPOLITAN LIFE INSURANCE COMPANY | $709 | $0 | $709 | 5.68% |
| SURGE BENEFITS CORPORATION3 | 300 HANOVER STREET MANCHESTER, NH 03104 | UNION SECURITY INSURANCE COMPANY | $282 | $0 | $282 | 4.00% |
| UNKNOWN3 | UNKNOWN MANCHESTER, NH 03104 | PRINCIPAL LIFE INSURANCE COMPANY | $568 | $0 | $568 | 9.34% |
| SURGE BENEFITS CORPORATION3 | 920 CANDIA ROAD MANCHESTER, NH 03109 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $335 | $0 | $335 | 14.98% |
| ENROLLEASE3 Filed as: BALDWIN AND CLARKE | 116 B SOUTH RIVER ROAD BEDFORD, NH 03110 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3 | $0 | $3 | 0.13% |
| LIVING LEGACY FINANCIAL GROUP3 | 55 FERNCROFT DANVERS, MA 01923 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2 | $0 | $2 | 0.09% |
| UNKNOWN3 | UNKNOWN MANCHESTER, NH 03104 | AFLAC | $11K | $0 | $11K | — |
| UNKNOWN3 | UNKNOWN MANCHESTER, NH 03104 | HEALTH SERVICES ADMINISTRATORS | $1K | $0 | $1K | — |
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 | 586 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 21 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 614 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(16 contracts, 9 carriers) | BLUE CROSS OF CALIFORNIA | 586 | $4.1M |
| Dental(3 contracts, 3 carriers) | ANTHEM HEALTH PLANS OF NEW HAMPSHIRE, INC. | 412 | $354K |
| Vision(6 contracts, 3 carriers) | BLUE CROSS OF CALIFORNIA | 329 | $2.0M |
| Life insurance(5 contracts, 5 carriers) | MONY LIFE INSURANCE COMPANY OF AMERICA | 586 | $332K |
| Short-term disability(4 contracts, 4 carriers) | MONY LIFE INSURANCE COMPANY OF AMERICA | 586 | $329K |
| Long-term disability(4 contracts, 4 carriers) | MONY LIFE INSURANCE COMPANY OF AMERICA | 586 | $329K |
| Prescription drug(12 contracts, 6 carriers) | BLUE CROSS OF CALIFORNIA | 329 | $3.6M |
| Other(6 contracts, 6 carriers) | MONY LIFE INSURANCE COMPANY OF AMERICA | 586 | $446K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 586 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.