| 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 | $74K | $0 | $74K | 1.60% |
| FIAI INC3 | 1100 ELM STREET MANCHESTER, NH 03101 | ANTHEM HEALTH PLANS OF NEW HAMPSHIRE, INC. | $5K | $0 | $5K | 1.82% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF VA INC | 8570 MAGELLAN PARKWAY, SUITE 1100 RICHMOND, VA 23227 | ANTHEM HEALTH PLANS OF NEW HAMPSHIRE, INC. | $0 | $3K | $3K | 0.96% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP | 1350 BAYSHORE HIGHWAY, SUITE 218 BURLINGAME, CA 94010 | ANTHEM HEALTH PLANS OF NEW HAMPSHIRE, INC. | $541 | $0 | $541 | 0.18% |
| CROSS INSURANCE3 | 1100 ELM STREET MANCHESTER, NH 03101 | HPHC INSURANCE COMPANY | $5K | $0 | $5K | 1.76% |
| FIAI INC3 | 1100 ELM STREET MANCHESTER, NH 03101 | ANTHEM LIFE INSURANCE COMPANY | $7K | $0 | $7K | 4.12% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF VA INC | 8570 MAGELLAN PARKWAY, SUITE 1100 RICHMOND, VA 23227 | ANTHEM LIFE INSURANCE COMPANY | $0 | $3K | $3K | 1.53% |
| CROSS BENEFIT SOLUTIONS3 | 3350 PEACHTREE ROAD ATLANTA, GA 30326 | ANTHEM LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.02% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP | 1350 BAYSHORE HIGHWAY, SUITE 218 BURLINGAME, CA 94010 | ANTHEM LIFE INSURANCE COMPANY | $2K | $0 | $2K | 0.89% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP | 133 FEDERAL STREET, 2ND FLOOR BOSTON, MA 02110 | VISION SERVICE PLAN | $1K | $0 | $1K | 3.26% |
| FIAI INC3 | 1100 ELM STREET MANCHESTER, NH 03101 | VISION SERVICE PLAN | $890 | $0 | $890 | 2.70% |
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 | 549 | 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) | 549 | 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 | 637 | $4.9M |
| Dental | ANTHEM HEALTH PLANS OF NEW HAMPSHIRE, INC. | 733 | $297K |
| Vision | VISION SERVICE PLAN | 296 | $33K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 549 | $177K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 549 | $177K |
| Prescription drug(2 contracts, 2 carriers) | HARVARD PILGRIM HEALTH CARE OF NE INC - MA | 637 | $4.9M |
| Other(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 593 | $187K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 733 | — |
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.