| 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 | $182K | $0 | $182K | 2.63% |
| HPHC INSURANCE AGENCY, INC.3 Filed as: HPHC INSURANCE AGENCY INC | 93 WORCESTER STREET WELLESLEY HILLS, MA 02481 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $37K | $0 | $37K | 6.00% |
| FIAI INC3 | 1100 ELM STREET MANCHESTER, NH 03101 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $29K | $0 | $29K | 4.68% |
| CROSS INSURANCE3 | 1100 ELM STREET MANCHESTER, NH 03101 | HPHC JOINT VENTURE UHG | $11K | $0 | $11K | 2.84% |
| FIAI INC3 | 1100 ELM STREET MANCHESTER, NH 03101 | VISION SERVICE PLAN | $2K | $0 | $2K | 4.04% |
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 | 701 | 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) | 701 | 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 | 819 | $7.3M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 701 | $621K |
| Vision | VISION SERVICE PLAN | 392 | $41K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 701 | $621K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 701 | $621K |
| Prescription drug(2 contracts, 2 carriers) | HARVARD PILGRIM HEALTH CARE OF NE INC - MA | 819 | $7.3M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 701 | $621K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 819 | — |
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.