| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROSS INSURANCE3 | 1100 ELM STREET MANCHESTER, NH 03101 | HARVARD PILGRIM HEALTH CARE OF NE INC - MA | $55K | — | $55K | 2.11% |
| CROSS INSURANCE3 | 1100 ELM STREET MANCHESTER, NH 03101 | HARVARD PILGRIM HEALTH CARE OF NE INC - MA | $31K | — | $31K | 2.11% |
| FIAI INC3 Filed as: FIAI, INC. | UNKNOWN CONCORD, NH 03301 | ANTHEM HEALTH PLANS OF NEW HAMPSHIRE | $6K | — | $6K | 2.47% |
| CROSS INSURANCE3 | 1100 ELM STREET MANCHESTER, NH 03101 | HPHC INSURANCE COMPANY | $4K | — | $4K | 2.13% |
| FIAI INC3 Filed as: FIAI INC. | 1100 ELM STREET MANCHESTER, NH 03101 | ANTHEM LIFE INSURANCE COMPANY | $25K | — | $25K | 16.97% |
| CROSS BENEFIT SOLUTIONS3 Filed as: CROSS EMPLOYEE BENEFIT | PO BOX 469 AUGUSTA, ME 04332 | ANTHEM LIFE INSURANCE COMPANY | — | $9K | $9K | 6.12% |
| CROSS INSURANCE3 | 1100 ELM STREET MANCHESTER, NH 03101 | HPHC INSURANCE COMPANY | $677 | — | $677 | 1.95% |
| FIAI INC3 Filed as: FIAI, INC. | 1100 ELM STREET MANCHESTER, NH 03101 | VISION SERVICE PLAN | — | $1K | $1K | 5.28% |
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 | 477 | 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) | 477 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | HARVARD PILGRIM HEALTH CARE OF NE INC - MA | 353 | $4.3M |
| Dental | ANTHEM HEALTH PLANS OF NEW HAMPSHIRE | 320 | $233K |
| Vision | VISION SERVICE PLAN | 202 | $22K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 477 | $145K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 477 | $145K |
| Prescription drug(4 contracts, 2 carriers) | HARVARD PILGRIM HEALTH CARE OF NE INC - MA | 353 | $4.3M |
| Other(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 511 | $152K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 511 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.