| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROSS INSURANCE3 Filed as: CROSS INSURANCE INC. | 1100 ELM STREET MANCHESTER, NH 03101 | ANTHEM HEALTH PLANS OF NEW HAMPSHIRE, INC. | $502K | $92K | $594K | 2.73% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE SUITE 2 AUGUSTA, ME 04330 | ANTHEM HEALTH PLANS OF NEW HAMPSHIRE, INC. | $0 | $9K | $9K | 0.04% |
| CROSS INSURANCE3 Filed as: CROSS INSURANCE INC. | 1100 ELM STREET MANCHESTER, NH 03101 | ANTHEM LIFE INSURANCE COMPANY | $56K | — | $56K | 17.49% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE SUITE 2 AUGUSTA, ME 04330 | ANTHEM LIFE INSURANCE COMPANY | $0 | $3K | $3K | 1.06% |
| FIAI INC3 | 1100 ELM STREET MANCHESTER, NH 03101 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 8.68% |
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 | 1,770 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,786 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF NEW HAMPSHIRE, INC. | 2,678 | $21.8M |
| Dental | ANTHEM HEALTH PLANS OF NEW HAMPSHIRE, INC. | 2,678 | $21.8M |
| Vision | ANTHEM HEALTH PLANS OF NEW HAMPSHIRE, INC. | 2,678 | $21.8M |
| Life insurance(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 483 | $393K |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY | 483 | $321K |
| Long-term disability | STANDARD INSURANCE COMPANY | 68 | $72K |
| Other | ANTHEM LIFE INSURANCE COMPANY | 483 | $321K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,678 | — |
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.