| 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 - MA | $21K | $0 | $21K | 2.95% |
| THE RICHARDS GROUP3 Filed as: RICHARDS GROUP | 48 HARRIS PLACE BRATTLEBORO, VT 05301 | HARVARD PILGRIM HEALTH CARE OF NE INC - MA | $21K | $0 | $21K | 2.99% |
| E&S INSURANCE SERVICES LLC3 Filed as: E & S INSURANCE SERVICES, LLC | P.O. BOX 7425 GILFORD, NH 03247 | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | $6K | $0 | $6K | 6.99% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES LLC DBA CSONE | P.O. BOX 1320 CONCORD, NH 03302 | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | $402 | $0 | $402 | 0.44% |
| THE RICHARDS GROUP3 | 48 HARRIS PLACE BRATTLEBORO, VT 05301 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $0 | $4K | 8.19% |
| THE RICHARDS GROUP3 Filed as: RICHARDS INC | P.O. BOX 820 BRATTLEBORO, VT 05302 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 15.00% |
| INSURANCE PLANNING GROUP3 | 85 WASHINGTON STREET KEENE, NH 03431 | HUMANA INSURANCE COMPANY | $479 | $0 | $479 | 9.00% |
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 | 145 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 149 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | HARVARD PILGRIM HEALTH CARE OF NE INC - MA | 175 | $1.4M |
| Dental | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | 87 | $92K |
| Vision | HUMANA INSURANCE COMPANY | 77 | $5K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 145 | $46K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 145 | $46K |
| Prescription drug(2 contracts) | HARVARD PILGRIM HEALTH CARE OF NE INC - MA | 175 | $1.4M |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 179 | $73K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 179 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.