| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE PLANNING GROUP3 | 85 WASHINGTON STREET KEENE, NH 03431 | HARVARD PILGRIM HEALTH CARE OF NE INC | $43K | — | $43K | 2.50% |
| E&S INSURANCE SERVICES LLC3 Filed as: E & S INSURANCE SERVICES LLC | PO BOX 7425 GILFORD, NH 03247 | DELTA DENTAL PLAN OF NEW HAMPSHIRE INC | $6K | — | $6K | 6.88% |
| COMBINED SERVICES LLC3 | PO BOX 1320 CONCORD, NH 03302 | DELTA DENTAL PLAN OF NEW HAMPSHIRE INC | $411 | — | $411 | 0.44% |
| INSURANCE PLANNING GROUP3 Filed as: INSURANCE PLANNING GROUP INC | 85 WASHINGTON STREET KEENE, NH 03431 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 16.21% |
| INSURANCE PLANNING GROUP3 | 85 WASHINGTON STREET KEENE, NH 03431 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 14.12% |
| INSURANCE PLANNING GROUP | 85 WASHINGTON STREET KEENE, NH 03431 | HUMANA | $1K | — | $1K | 10.05% |
| BENEFIT STRATEGIES AGENCY, LLC3 Filed as: BENEFIT STRATEGIES LLC | PO BOX 1300 MANCHESTER, NH 03101 | BENEFIT STRATEGIES LLC | — | $14K | $14K | 100.00% |
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 | 259 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 259 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HARVARD PILGRIM HEALTH CARE OF NE INC | 259 | $1.7M |
| Dental | DELTA DENTAL PLAN OF NEW HAMPSHIRE INC | 164 | $93K |
| Vision | HUMANA | 79 | $14K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 161 | $46K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 161 | $46K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 259 | $81K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 259 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.