| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SURGE BENEFITS CORPORATION3 | 300 HANOVER STREET MANCHESTER, NH 03104 | ANTHEM HEALTH PLANS OF NEW HAMPSHIRE, INC. | $26K | $0 | $26K | 1.85% |
| SURGE BENEFITS CORPORATION3 | 300 HANOVER STREET MANCHESTER, NH 03104 | MATTHEW THORNTON HEALTH PLAN, INC. | $18K | $0 | $18K | 1.87% |
| SURGE BENEFITS CORPORATION3 | 300 HANOVER STREET MANCHESTER, NH 03104 | TUFTS HEALTH FREEDOM INSURANCE COMPANY | $14K | $0 | $14K | 7.20% |
| SURGE BENEFITS CORPORATION3 | 300 HANOVER STREET MANCHESTER, NH 03104 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $8K | $0 | $8K | 5.57% |
| SHIELDS BROKERAGE3 Filed as: SHIELDS BROKERAGE, INC. | UNKNOWN EXETER, NH 03833 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $0 | $1K | $1K | 0.81% |
| SURGE BENEFITS CORPORATION3 | 300 HANOVER STREET MANCHESTER, NH 03104 | HARVARD PILGRIM HEALTH CARE OF NE INC - MA | $4K | $0 | $4K | 3.84% |
| SURGE BENEFITS CORPORATION3 | 300 HANOVER STREET MANCHESTER, NH 03104 | HPHC INSURANCE COMPANY | $14 | $0 | $14 | 0.14% |
| SURGE BENEFITS CORPORATION3 | 920 CANDIA ROAD MANCHESTER, NH 03109 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $175 | $0 | $175 | 15.00% |
| ENROLLEASE3 Filed as: BALDWIN AND CLARKE | 116 B SO RIVE ROAD BEDFORD, NH 03110 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2 | $0 | $2 | 0.17% |
| NATIONAL FINANCIAL NETWORK, LLC3 Filed as: NATIONAL FINANCIAL NETWORK INC. | 990 STEWART GARDEN CITY, NY 11530 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1 | $0 | $1 | 0.09% |
| SURGE BENEFITS CORPORATION3 | 300 HANOVER STREET MANCHESTER, NH 03104 | METROPOLITAN LIFE INSURANCE COMPANY | $806 | $0 | $806 | — |
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 | 371 | 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) | 371 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 7 carriers) | ANTHEM HEALTH PLANS OF NEW HAMPSHIRE, INC. | 676 | $2.7M |
| Dental(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF NEW HAMPSHIRE, INC. | 676 | $1.4M |
| Vision | ANTHEM HEALTH PLANS OF NEW HAMPSHIRE, INC. | 676 | $1.4M |
| Life insurance(4 contracts, 4 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 371 | $145K |
| Short-term disability(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 371 | $144K |
| Long-term disability(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 371 | $144K |
| Prescription drug(4 contracts, 4 carriers) | ANTHEM HEALTH PLANS OF NEW HAMPSHIRE, INC. | 676 | $2.5M |
| Other(4 contracts, 4 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 371 | $145K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 676 | — |
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.