| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP | 133 FEDERAL STREET, 2ND FLOOR BOSTON, MA 02110 | HARVARD PILGRIM HEALTH CARE OF NE INC - MA | $42K | $0 | $42K | 1.00% |
| CROSS BENEFIT SOLUTIONS3 | PO BOX 469 AUGUSTA, ME 04332 | HARVARD PILGRIM HEALTH CARE OF NE INC - MA | $30K | $0 | $30K | 0.71% |
| FIAI INC3 Filed as: FIAI, INC. | 1100 ELM STREET MANCHESTER, NH 03101 | ANTHEM HEALTH PLANS OF NEW HAMPSHIRE | $4K | $0 | $4K | 1.54% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP | 133 FEDERAL STREET, 2ND FLOOR BOSTON, MA 02110 | HPHC INSURANCE COMPANY | $2K | $0 | $2K | 1.07% |
| CROSS BENEFIT SOLUTIONS3 | PO BOX 469 AUGUSTA, ME 04332 | HPHC INSURANCE COMPANY | $2K | $0 | $2K | 0.76% |
| FIAI INC3 Filed as: FIAI, INC. | 637 CHESTNUT STREET MANCHESTER, NH 03104 | ANTHEM LIFE INSURANCE COMPANY | $14K | $0 | $14K | 9.04% |
| CROSS BENEFIT SOLUTIONS3 | PO BOX 469 AUGUSTA, ME 04332 | ANTHEM LIFE INSURANCE COMPANY | $0 | $5K | $5K | 3.10% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP | 80 SOUTH 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | ANTHEM LIFE INSURANCE COMPANY | $4K | $0 | $4K | 2.44% |
| FIAI INC3 Filed as: FIAI, INC. | 1100 ELM STREET MANCHESTER, NH 03101 | VISION SERVICE PLAN | $837 | $0 | $837 | 3.24% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP | 133 FEDERAL STREET, 2ND FLOOR BOSTON, MA 02110 | VISION SERVICE PLAN | $444 | $0 | $444 | 1.72% |
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 | 537 | 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) | 537 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HARVARD PILGRIM HEALTH CARE OF NE INC - MA | 560 | $4.5M |
| Dental | ANTHEM HEALTH PLANS OF NEW HAMPSHIRE | 331 | $249K |
| Vision | VISION SERVICE PLAN | 239 | $26K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 537 | $158K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 537 | $158K |
| Prescription drug(2 contracts, 2 carriers) | HARVARD PILGRIM HEALTH CARE OF NE INC - MA | 560 | $4.5M |
| Other(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 541 | $166K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 560 | — |
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.