| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FIAI INC3 | 491 MAIN STREET P.O. BOX 1388 BANGOR, ME 04402 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $437K | $437K | 2.50% |
| FIAI INC3 Filed as: FIAI, INC. | D/B/A CROSS INSURANCE - MANCHESTER 1100 ELM STREET MANCHESTER, NH 03102 | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | $11K | — | $11K | 1.33% |
| FIAI INC3 | D/B/A CROSS INSURANCE - MANCHESTER 1100 ELM STREET MANCHESTER, NH 03101 | SUN LIFE ASSURANCE COMPANY OF CANADA | $18K | — | $18K | 11.60% |
| GULFCOAST EMPLOYEE BENEFITS3 Filed as: GULFCOAST EMPLOYEE BENEFITS INC | 1051 LINKSIDE DRIVE HENDERSONVILLE, NC 28739 | SUN LIFE ASSURANCE COMPANY OF CANADA | $8K | — | $8K | 4.95% |
| FIAI INC3 | 1100 ELM STREET MANCHESTER, NH 03101 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 5.45% |
| GULF COAST BENEFIT SOLUTIONS INC3 | 11928 FOREST PARK CIRCLE LAKEWOOD RANCH, FL 34211 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 3.28% |
| FIAI INC3 | D/B/A CROSS INSURANCE - MANCHESTER 1100 ELM STREET MANCHESTER, NH 03101 | SUN LIFE ASSURANCE COMPANY OF CANADA | $763 | — | $763 | 4.64% |
| GULFCOAST EMPLOYEE BENEFITS3 Filed as: GULFCOAST EMPLOYEE BENEFITS INC. | 1051 LINKSIDE DRIVE HENDERSONVILLE, NC 28739 | SUN LIFE ASSURANCE COMPANY OF CANADA | $255 | — | $255 | 1.55% |
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 | 1,640 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,640 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,639 | $17.5M |
| Dental | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | 2,555 | $823K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,639 | $17.5M |
| Life insurance(3 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 664 | $245K |
| Long-term disability | STANDARD INSURANCE COMPANY | 78 | $71K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 82 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,555 | — |
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.