| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROSS BENEFIT SOLUTIONS3 Filed as: CROSS FINANCIAL INSURANCE | 1100 ELM STREET MANCHESTER, NH 03101 | HARVARD PILGRIM HEALTH CARE OF NE INC - MA | $129K | $0 | $129K | 2.34% |
| CROSS BENEFIT SOLUTIONS3 Filed as: CROSS FINANCIAL INSURANCE | 1100 ELM STREET MANCHESTER, NH 03101 | HPHC INSURANCE COMPANY | $9K | $0 | $9K | 2.37% |
| FIAI INC3 | 1100 ELM STREET MANCHESTER, NH 03101 | ANTHEM HEALTH PLANS OF NEW HAMPSHIRE, INC. | $7K | $0 | $7K | 2.33% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE, SUITE 2 AUGUSTA, ME 04330 | ANTHEM HEALTH PLANS OF NEW HAMPSHIRE, INC. | $0 | $3K | $3K | 1.01% |
| FIAI INC3 | 1100 ELM STREET MANCHESTER, NH 03101 | ANTHEM LIFE INSURANCE COMPANY | $15K | $0 | $15K | 6.63% |
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP INC | 1350 BAYSHORE HWY, SUITE 218 BURLINGAME, CA 94010 | ANTHEM LIFE INSURANCE COMPANY | $3K | $0 | $3K | 1.39% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE, SUITE 2 AUGUSTA, ME 04330 | ANTHEM LIFE INSURANCE COMPANY | $0 | $2K | $2K | 0.87% |
| FIAI INC3 | 1100 ELM STREET MANCHESTER, NH 03101 | VISION SERVICE PLAN | $2K | $0 | $2K | 4.28% |
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 | 611 | 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) | 611 | 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 | 719 | $5.9M |
| Dental | ANTHEM HEALTH PLANS OF NEW HAMPSHIRE, INC. | 818 | $282K |
| Vision | VISION SERVICE PLAN | 341 | $36K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 611 | $219K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 611 | $219K |
| Prescription drug(2 contracts, 2 carriers) | HARVARD PILGRIM HEALTH CARE OF NE INC - MA | 719 | $5.9M |
| Other(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 657 | $229K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 818 | — |
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.