| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FIAI INC3 Filed as: FIAI INC. | ONE WALL STREET MANCHESTER, NH 03101 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $205K | — | $205K | 1.23% |
| GULFCOAST EMPLOYEE BENEFITS3 Filed as: GULFCOAST EMPLOYEE BENEFITS, INC. | 5019 TIVOLI RUN LAKEWOOD RANCH, FL 34211 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $129K | — | $129K | 0.77% |
| GULFCOAST EMPLOYEE BENEFITS3 Filed as: GULFCOAST EMPLOYEE BENEFITS, INC. | 8374 MARKET STREET #132 LAKEWOOD RANCH, FL 34202 | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | $6K | — | $6K | 0.57% |
| FIAI INC3 Filed as: FIAI, INC. | DBA CROSS INSURANCE - MANCHESTER 1100 ELM STREET MANCHESTER, NH 03102 | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | $5K | — | $5K | 0.57% |
| THE LOOMIS COMPANY3 | 850 N. PARK ROAD WYOMISSING, PA 19610 | MADISON NATIONAL LIFE | $44K | — | $44K | 18.00% |
| MGU UNDERWRITING FEE3 | 1280 BRIGHTON WAY NEWTOWN SQUARE, PA 19073 | MADISON NATIONAL LIFE | $14K | — | $14K | 5.50% |
| GULFCOAST EMPLOYEE BENEFITS3 Filed as: GULFCOAST EMPLOYEE BENEFITS INC | 5019 TIVOLI RUN LAKEWOOD RANCH, FL 34211 | SUN LIFE ASSURANCE COMPANY OF CANADA | $31K | — | $31K | 19.99% |
| GULFCOAST EMPLOYEE BENEFITS3 Filed as: GULFCOAST EMPLOYEE BENEFITS INC. | 5019 TIVOLI RUN LAKEWOOD RANCH, FL 34211 | SUN LIFE ASSURANCE COMPANY OF CANADA | $980 | — | $980 | 4.62% |
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 | 2,079 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 26 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,105 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,676 | $17.0M |
| Dental | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | 2,985 | $968K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,676 | $16.7M |
| Life insurance(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 802 | $175K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 84 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,985 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.