| 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 | $39K | — | $39K | 2.44% |
| 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 | $7K | — | $7K | 6.92% |
| COMBINED SERVICES LLC3 | PO BOX 1320 CONCORD, NH 03302 | DELTA DENTAL PLAN OF NEW HAMPSHIRE INC | $424 | — | $424 | 0.43% |
| INSURANCE PLANNING GROUP3 Filed as: INSURANCE PLANNING GROUP INC | 85 WASHINGTON STREET KEENE, NH 03431 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 10.32% |
| INSURANCE PLANNING GROUP3 | 85 WASHINGTON STREET KEENE, NH 03431 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 15.33% |
| INSURANCE PLANNING GROUP | 85 WASHINGTON STREET KEENE, NH 03431 | HUMANA | $1K | — | $1K | 10.85% |
| BENEFIT STRATEGIES AGENCY, LLC3 Filed as: BENEFIT STRATEGIES LLC | PO BOX 1300 MANCHESTER, NH 03101 | BENEFIT STRATEGIES LLC | — | $10K | $10K | — |
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 | 260 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 260 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HARVARD PILGRIM HEALTH CARE OF NE INC | 260 | $1.6M |
| Dental | DELTA DENTAL PLAN OF NEW HAMPSHIRE INC | 186 | $98K |
| Vision | HUMANA | 87 | $13K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 163 | $54K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 163 | $54K |
| Other(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 163 | $74K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 260 | — |
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.