| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CLARK MORTENSON AGENCY3 Filed as: CLARK-MORTENSON AGENCY | 102 MAIN ST PO BOX 606 KEENE, NH 03431 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $95K | $95K | 4.00% |
| CLARK MORTENSON AGENCY3 Filed as: CLARK-MORTENSON AGENCY INC | 102 MAIN STREET PO BOX 606 KEENE, NH 03431 | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | $4K | — | $4K | 4.58% |
| CLARK MORTENSON AGENCY3 | 102 MAIN STREET KEENE, NH 03431 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 4.34% |
| JOSEPH P. ANDREWS3 Filed as: JOSEPH P ANDREWS | 86 NASHUA RD #1311 LONDONDERRY, NH 03053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 1.94% |
| EMPLOYEE BENEFIT CONSULTANTS3 | C/O COLONIAL LIFE INS CO PORTLAND, ME 04101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $725 | $23 | $748 | 1.00% |
| ROBERT S. TAPPAN3 Filed as: ROBERT S TAPPAN | 300 OHIO AVE MANCHESTER, NH 03104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $63 | — | $63 | 0.08% |
| CORCORAN & HOYT LLC3 | 3905 TAMPA ROAD OLDSMAR, FL 34677 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $60 | — | $60 | 0.08% |
| COLLETTE G BOISVERT3 | 349 CENTRAL STREET MANCHESTER, NH 03103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $46 | — | $46 | 0.06% |
| K&P BENEFITS CONSULTING GROUP3 Filed as: K&P BENEFITS CONSULTING GROUP INC | 7020 PROFESSIONAL PKWY EAST SARASOTA, FL 34240 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $38 | — | $38 | 0.05% |
| MICHELLE MUELLER LEA3 | 6070 BRANDON RUN BRADENTON, FL 34211 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | — | $20 | 0.03% |
| FLEURY ENTERPRISES INC3 | 162 INDIAN POINT RD TIVERTON, RI 02878 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.02% |
| RICHARD HASKINS3 | P.O. BOX 362 MILLBURG, MA 01527 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.01% |
| WORKSITE AMERICA LLC3 | 14141 46TH STREET NORTH CLEARWATER, FL 33762 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| SHIRLEY B DRAKE3 | 14141 46TH STREET N CLEARWATER, FL 33762 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| CLARK MORTENSON AGENCY3 | PO BOX 606 KEENE, NH 034310606 | VISION SERVICE PLAN | $779 | — | $779 | 5.30% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND, LLC | 2000 CHAPEL VIEW BLVD STE 240 CRANSTON, RI 02920 | VISION SERVICE PLAN | $382 | — | $382 | 2.60% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND LLC | 102 MAIN STREET KEENE, NH 03431 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 10.34% |
| CLARK MORTENSON AGENCY3 Filed as: CLARK-MORTENSON | 102 MAIN STREET KEENE, NH 03431 | EMPLOYEE ASSISTANCE GROUP | $293 | — | $293 | 4.99% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND LLC | 102 MAIN STREET KEENE, NH 03431 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $197 | — | $197 | 10.87% |
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 | 188 | 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) | 188 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 190 | $2.5M |
| Dental | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | 274 | $95K |
| Vision | VISION SERVICE PLAN | 134 | $15K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 188 | $85K |
| Other(3 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 190 | $83K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 274 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.