| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GRANITE GROUP BENEFITS, LLC3 | 1001 ELM STREET, SUITE 301 MANCHESTER, NH 03101 | ANTHEM HEALTH PLANS OF NEW HAMPSHIRE, INC. | $19K | $0 | $19K | 1.23% |
| GRANITE GROUP BENEFITS, LLC3 Filed as: GRANITE GROUP BENEFITS, LL | 1001 ELM STREET, SUITE 301 MANCHESTER, NH 03101 | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | $7K | $0 | $7K | 5.40% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES LLC DBA CSONE | PO BOX 1320 CONCORD, NH 033021320 | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | $2K | $0 | $2K | 1.31% |
| GRANITE GROUP BENEFITS, LLC3 | 1001 ELM STREET, SUITE 301 MANCHESTER, NH 03101 | ANTHEM LIFE INSURANCE COMPANY | $8K | $0 | $8K | 11.27% |
| GRANITE GROUP BENEFITS, LLC3 | 1001 ELM STREET, SUITE 301 MANCHESTER, NH 03101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 20.18% |
| GRANITE GROUP BENEFITS, LLC3 | 1001 ELM STREET, SUITE 301 MANCHESTER, NH 03101 | VISION SERVICE PLAN | $668 | $0 | $668 | 7.99% |
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 | 141 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 142 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF NEW HAMPSHIRE, INC. | 253 | $1.5M |
| Dental | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | 248 | $133K |
| Vision(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF NEW HAMPSHIRE, INC. | 253 | $1.5M |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 141 | $69K |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY | 141 | $69K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 141 | $69K |
| Other(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 144 | $91K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 253 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.