| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SURGE BENEFITS CORPORATION3 | 300 HANOVER STREET MANCHESTER, NH 03104 | MATTHEW THORNTON HEALTH PLAN, INC. | $39K | $0 | $39K | 1.73% |
| SURGE BENEFITS CORPORATION3 | 300 HANOVER STREET MANCHESTER, NH 03104 | ANTHEM HEALTH PLANS OF NEW HAMPSHIRE, INC. | $42K | $0 | $42K | 1.88% |
| SURGE BENEFITS CORPORATION3 | 300 HANOVER STREET MANCHESTER, NH 03104 | TUFTS HEALTH FREEDOM INSURANCE COMPANY | $13K | $0 | $13K | 5.25% |
| SURGE BENEFITS CORPORATION3 | 300 HANOVER STREET MANCHESTER, NH 03104 | HPHC INSURANCE COMPANY | $5K | $0 | $5K | 3.53% |
| SURGE BENEFITS CORPORATION3 | 300 HANOVER STREET MANCHESTER, NH 03104 | HARVARD PILGRIM HEALTH CARE OF NE INC - MA | $3K | $0 | $3K | 5.93% |
| SURGE BENEFITS CORPORATION3 | 300 HANOVER STREET MANCHESTER, NH 03104 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $303 | $0 | $303 | 11.53% |
| SURGE BENEFITS CORPORATION3 | 920 CANDIA ROAD MANCHESTER, NH 03104 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $288 | $0 | $288 | 14.99% |
| ENROLLEASE3 Filed as: BALDWIN AND CLARKE | 116 B SOUTH RIVER ROAD BEDFORD, NH 03110 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3 | $0 | $3 | 0.16% |
| LIVING LEGACY FINANCIAL GROUP3 | 1 CORPORATE PLACE DANVERS, MA 01923 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1 | $0 | $1 | 0.05% |
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 | 386 | 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) | 386 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 7 carriers) | MATTHEW THORNTON HEALTH PLAN, INC. | 386 | $5.0M |
| Dental(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF NEW HAMPSHIRE, INC. | 365 | $2.2M |
| Vision | ANTHEM HEALTH PLANS OF NEW HAMPSHIRE, INC. | 365 | $2.2M |
| Life insurance(4 contracts, 4 carriers) | AXA DISTRIBUTION HOLDING CORP | 386 | $18K |
| Short-term disability(2 contracts, 2 carriers) | AXA DISTRIBUTION HOLDING CORP | 386 | $13K |
| Long-term disability(3 contracts, 3 carriers) | AXA DISTRIBUTION HOLDING CORP | 386 | $16K |
| Prescription drug(4 contracts, 4 carriers) | MATTHEW THORNTON HEALTH PLAN, INC. | 365 | $4.7M |
| Other(4 contracts, 4 carriers) | AXA DISTRIBUTION HOLDING CORP | 386 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 386 | — |
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.