| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLEVIARE LLC3 Filed as: ALLEVIARE, LLC | C/O NH BANKERS ASSOCIATION PO BOX 2586 CONCORD, NH 03302 | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | $6K | — | $6K | 0.82% |
| COMBINED SERVICES LLC3 | DBA CSONE BENEFIT SOLUTIONS PO BOX 1320 CONCORD, NH 033021320 | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | $2K | — | $2K | 0.30% |
| NEW HAMPSHIRE BANKERS SERVICES3 | PO BOX 2586 CONCORD, NH 03302 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 5.86% |
| USI INSURANCE SERVICES LLC3 | 530 PRESTON AVE PO BOX 1040 MERIDEN, CT 06450 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 2.60% |
| NEW HAMPSHIRE BANKERS SERVICES3 | PO BOX 2586 CONCORD, NH 03302 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 10.97% |
| USI INSURANCE SERVICES LLC3 | 530 PRESTON AVE PO BOX 1040 MERIDEN, CT 06450 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $606 | — | $606 | 0.85% |
| USI INSURANCE SERVICES LLC3 | 530 PRESTON AVE PO BOX 1040 MERIDEN, CT 06450 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 5.94% |
| NEW HAMPSHIRE BANKERS SERVICES3 | PO BOX 2586 CONCORD, CT 03302 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 5.00% |
| NEW HAMPSHIRE BANKERS SERVICES3 | PO BOX 2586 CONCORD, NH 03302 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 10.23% |
| USI INSURANCE SERVICES LLC3 | 530 PRESTON AVE PO BOX 1040 MERIDEN, CT 06450 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $401 | — | $401 | 0.94% |
| NEW HAMPSHIRE BANKERS SERVICES3 | PO BOX 2586 CONCORD, NH 03302 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 11.05% |
| USI INSURANCE SERVICES LLC3 | 530 PRESTON AVE PO BOX 1040 MERIDEN, CT 06450 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $371 | — | $371 | 0.90% |
| NEW HAMPSHIRE BANKERS SERVICES3 | PO BOX 2586 CONCORD, NE 03302 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 10.82% |
| USI INSURANCE SERVICES LLC3 | 530 PRESTON AVE PO BOX 1040 MERIDEN, CT 06450 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $438 | — | $438 | 1.62% |
| NEW HAMPSHIRE BANKERS SERVICES3 | PO BOX 2586 CONCORD, NH 03302 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 10.83% |
| USI INSURANCE SERVICES LLC3 | 530 PRESTON AVE PO BOX 1040 MERIDEN, CT 06450 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $253 | — | $253 | 1.01% |
| NEW HAMPSHIRE BANKERS SERVICES3 | PO BOX 2586 CONCORD, NH 03302 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 10.78% |
| USI INSURANCE SERVICES LLC3 | 530 PRESTON AVE PO BOX 1040 MERIDEN, CT 06450 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $60 | — | $60 | 0.48% |
| NEW HAMPSHIRE BANKERS SERVICES3 | PO BOX 2586 CONCORD, NE 03302 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $768 | — | $768 | 9.23% |
| USI INSURANCE SERVICES LLC3 | 530 PRESTON AVE PO BOX 1040 MERIDENT, CT 06450 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $64 | — | $64 | 0.77% |
| NEW HAMPSHIRE BANKERS SERVICES3 | PO BOX 2586 CONCORD, NH 03302 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $530 | — | $530 | 9.22% |
| USI INSURANCE SERVICES LLC3 | 530 PRESTON AVE PO BOX 1040 MERIDEN, CT 06450 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $45 | — | $45 | 0.78% |
| NEW HAMPSHIRE BANKERS SERVICES3 | PO BOX 2586 CONCORD, NH 03302 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $347 | — | $347 | 11.07% |
| USI INSURANCE SERVICES LLC3 | 530 PRESTON AVE PO BOX 1040 MERIDEN, CT 06450 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $30 | — | $30 | 0.96% |
| NEW HAMPSHIRE BANKERS SERVICES3 | PO BOX 2586 CONCORD, NH 03302 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $253 | — | $253 | 11.78% |
| USI INSURANCE SERVICES LLC3 | 530 PRESTON AVE PO BOX 1040 MERIDEN, CT 06450 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $26 | — | $26 | 1.21% |
| NEW HAMPSHIRE BANKERS SERVICES3 | PO BOX 2586 CONCORD, CT 03302 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $114 | — | $114 | 10.37% |
| USI INSURANCE SERVICES LLC3 | 530 PRESTON AVE PO BOX 1040 MERIDEN, CT 06450 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $21 | — | $21 | 1.91% |
| HPHC INSURANCE AGENCY, INC.3 | 93 WORCESTER STREET WELLESLEY HILLS, MA 02481 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7 | — | $7 | 0.64% |
| NEW HAMPSHIRE BANKERS SERVICES3 | PO BOX 2586 CONCORD, NE 03302 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $95 | — | $95 | 9.33% |
| USI INSURANCE SERVICES LLC3 | 530 PRESTON AVE PO BOX 1040 MERIDEN, CT 06450 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7 | — | $7 | 0.69% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MATTHEW THORNTON HEALTH PLAN, INC EIN 02-0494919 CONTRACT ADMINISTRATOR | Float revenue; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Other services Service code 12 | — | $250K |
| USI EIN 13-3771734 CONSULTANT | Consulting (general) Service code 16 | — | $108K |
| NEW HAMPSHIRE BANKERS ASSOCIATION EIN 02-0235648 PLAN ADMINISTRATOR | Plan Administrator Service code 14 | — | $55K |
| BERNSTEIN SHUR LEGAL SERVICES | Legal Service code 29 | 100 MIDDLE STREET WEST TOWER PORTLAND, ME 04101 | $36K |
| BSWIFT RECORDKEEPING | Participant communication; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 10 SOUTH RIVERSIDE PLAZA CHICAGO, IL 60606 | $28K |
| WIPFLI, LLP EIN 39-0758449 INDEPENDENT AUDIT | Accounting (including auditing) Service code 10 | — | $20K |
| EBM EIN 46-3306306 RECORDKEEPING | Recordkeeping and information management (computing, tabulating, data processing, etc.); Participant communication Service code 15 | — | $7K |
| MATTHEW THORNTON HEALTH PLAN, INC. | Other services; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Claims processing Service code 12 | — | $0 |
| NEW HAMPSHIRE BANKERS SERVICES COMMON MANAGEMENT | Consulting (general) Service code 16 | 100 NORTH MAIN ST SUITE 504 CONCORD, NH 03301 | $0 |
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 | 1,179 | 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) | 1,179 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | 1,535 | $687K |
| Vision(12 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 187 | $430K |
| Life insurance(11 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 187 | $420K |
| Short-term disability(10 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 187 | $393K |
| Long-term disability(11 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 187 | $420K |
| Stop-loss / reinsurancereinsurance | MATTHEW THORNTON HEALTH PLAN, INC. | 927 | $799K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,535 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.