| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GRANITE GROUP BENEFITS, LLC3 Filed as: GRANITE GROUP BENEFITS | AN ALERA GROUP AGENCY 1001 ELM STREET STE 301 MANCHESTER, NH 03101 | ANTHEM HEALTH PLANS OF NH | $21K | $3K | $25K | 4.20% |
| GRANITE GROUP BENEFITS, LLC3 Filed as: GRANITE GROUP BENEFITS | 1001 ELM STREET STE 301 MANCHESTER, NH 03105 | ANTHEM HEALTH PLANS OF NH | $2K | — | $2K | 0.29% |
| GRANITE GROUP BENEFITS, LLC3 Filed as: GRANITE GROUP BENEFITS | AN ALERA GROUP AGENCY 1001 ELM SUITE 301 MANCHESTER, NH 03101 | ANTHEM LIFE INSURANCE COMPANY (G1400) | $8K | — | $8K | 13.46% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC/GRANITE GROUP | 1001 ELM ST MANCHESTER, NH 03101 | GUARDIAN LIFE INSURANCE COMPANY | — | $170 | $170 | 4.02% |
| GRANITE GROUP BENEFITS, LLC3 Filed as: GRANITE GROUP BENEFITS | AN ALERA GROUP AGENCY 1001 ELM STREET STE 101 MANCHESTER, NH 03101 | RED TREE INSURANCE COMPANY | — | $431 | $431 | 10.84% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES | DBA CSONE BENEFIT SOLUTIONS PO BOX 1320 CONCORD, NH 033021320 | RED TREE INSURANCE COMPANY | — | $65 | $65 | 1.63% |
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 | 95 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 99 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF NH | 55 | $584K |
| Dental | GUARDIAN LIFE INSURANCE COMPANY | 69 | $4K |
| Vision(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF NH | 62 | $588K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY (G1400) | 80 | $60K |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY (G1400) | 80 | $60K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY (G1400) | 80 | $60K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 80 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.