| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS SVC INC | 309 DANIEL WEBSTER HWY MERRIMACK, NH 03054 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $93 | $36K | $36K | 2.30% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS SVC INC | 309 DANIEL WEBSTER HWY MERRIMACK, NH 03054 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | — | $3K | 4.95% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF NEW HAMPSHIRE, INC | 309 DANIEL WEBSTER HWY MERRIMACK, NH 03054 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 7.87% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES LIMITED LIABILITY | 2 DELTA DRIVE SUITE 301 CONCORD, NH 03301 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $1K | $4K | 6.97% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INSURANCE AGENCY-WI | 1200 N MAYFAIR RD SUITE 100 MILWAUKEE, WI 53226 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $1K | $1K | 1.92% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES LIMITED LIABILITY | 2 DELTA DRIVE SUITE 301 CONCORD, NH 03301 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $1K | $4K | 6.97% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF NEW HAMPSHIRE, INC | 309 DANIEL WEBSTER HWY MERRIMACK, NH 03054 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 6.02% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INSURANCE AGENCY-WI | 1200 N MAYFAIR RD SUITE 100 MILWAUKEE, WI 53226 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $981 | $981 | 1.88% |
| BROWN & BROWN INSURANCE SERVICES3 | 309 DANIEL WEBSTER HIGHWAY MERRIMACK, NH 03054 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $430 | $4K | 18.03% |
| HPHC INSURANCE AGENCY, INC.3 | 93 WORCESTER STREET WELLESLEY HILLS, MA 02481 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 6.00% |
| LIVING LEGACY FINANCIAL GROUP3 | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $33 | — | $33 | 0.16% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF NEW HAMPSHIRE, INC | 309 DANIEL WEBSTER HWY MERRIMACK, NH 03054 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES LIMITED LIABILITY | 2 DELTA DRIVE SUITE 301 CONCORD, NH 03301 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $694 | $273 | $967 | 6.97% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INSURANCE AGENCY-WI | 1200 N MAYFAIR RD SUITE 100 MILWAUKEE, WI 53226 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $256 | $256 | 1.84% |
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 | 129 | 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) | 129 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 116 | $1.6M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 77 | $66K |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 116 | $1.6M |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 129 | $52K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 127 | $60K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 116 | $1.6M |
| Other(3 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 129 | $86K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 129 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.