| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | — | $0 | 0.00% |
| 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 | 0.75% |
| COMBINED SERVICES LLC3 | DBA CSONE BENEFIT SOLUTIONS PO BOX 1320 CONCORD, NH 033021320 | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | $2K | — | $2K | 0.28% |
| NEW HAMPSHIRE BANKERS SERVICES3 | PO BOX 2586 CONCORD, NH 03302 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 6.45% |
| USI INSURANCE SERVICES LLC3 | 530 PRESTON AVE PO BOX 1040 MERIDEN, CT 06450 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | -$3K | $4K | $457 | 0.36% |
| NEW HAMPSHIRE BANKERS SERVICES3 | PO BOX 2586 CONCORD, NH 03302 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 11.80% |
| USI INSURANCE SERVICES LLC3 | 530 PRESTON AVE PO BOX 1040 MERIDEN, CT 06450 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 3.38% |
| NEW HAMPSHIRE BANKERS SERVICES3 | PO BOX 2586 CONCORD, CT 03302 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 4.83% |
| USI INSURANCE SERVICES LLC3 | 530 PRESTON AVE PO BOX 1040 MERIDEN, CT 06450 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | -$4K | $2K | -$2K | -2.54% |
| NEW HAMPSHIRE BANKERS SERVICES3 | PO BOX 2586 CONCORD, NH 03302 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 11.06% |
| USI INSURANCE SERVICES LLC3 | 530 PRESTON AVE PO BOX 1040 MERIDEN, CT 06450 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 3.94% |
| NEW HAMPSHIRE BANKERS SERVICES3 | PO BOX 2586 CONCORD, NH 03302 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 11.86% |
| USI INSURANCE SERVICES LLC3 | 530 PRESTON AVE PO BOX 1040 MERIDEN, CT 06450 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 4.26% |
| NEW HAMPSHIRE BANKERS SERVICES3 | PO BOX 2586 CONCORD, NE 03302 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 11.45% |
| USI INSURANCE SERVICES LLC3 | 530 PRESTON AVE PO BOX 1040 MERIDEN, CT 06450 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | -$438 | $1K | $642 | 2.45% |
| NEW HAMPSHIRE BANKERS SERVICES3 | PO BOX 2586 CONCORD, NH 03302 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 11.78% |
| USI INSURANCE SERVICES LLC3 | 530 PRESTON AVE PO BOX 1040 MERIDEN, CT 06450 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $877 | $877 | 3.40% |
| NEW HAMPSHIRE BANKERS SERVICES3 | PO BOX 2586 CONCORD, NH 03302 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 11.27% |
| USI INSURANCE SERVICES LLC3 | 530 PRESTON AVE PO BOX 1040 MERIDEN, CT 06450 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $303 | $303 | 2.78% |
| NEW HAMPSHIRE BANKERS SERVICES3 | PO BOX 2586 CONCORD, NE 03302 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $692 | — | $692 | 9.99% |
| USI INSURANCE SERVICES LLC3 | 530 PRESTON AVE PO BOX 1040 MERIDENT, CT 06450 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $333 | $333 | 4.81% |
| NEW HAMPSHIRE BANKERS SERVICES3 | PO BOX 2586 CONCORD, NH 03302 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $517 | — | $517 | 10.00% |
| USI INSURANCE SERVICES LLC3 | 530 PRESTON AVE PO BOX 1040 MERIDEN, CT 06450 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $230 | $230 | 4.45% |
| NEW HAMPSHIRE BANKERS SERVICES3 | PO BOX 2586 CONCORD, NH 03302 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $392 | — | $392 | 12.10% |
| USI INSURANCE SERVICES LLC3 | 530 PRESTON AVE PO BOX 1040 MERIDEN, CT 06450 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $69 | $69 | 2.13% |
| NEW HAMPSHIRE BANKERS SERVICES3 | PO BOX 2586 CONCORD, NH 03302 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $396 | — | $396 | 12.43% |
| USI INSURANCE SERVICES LLC3 | 530 PRESTON AVE PO BOX 1040 MERIDEN, CT 06450 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $50 | $50 | 1.57% |
| NEW HAMPSHIRE BANKERS SERVICES3 | PO BOX 2586 CONCORD, NE 03302 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $125 | — | $125 | 9.98% |
| USI INSURANCE SERVICES LLC3 | 530 PRESTON AVE PO BOX 1040 MERIDEN, CT 06450 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $25 | $25 | 2.00% |
| NEW HAMPSHIRE BANKERS SERVICES3 | PO BOX 2586 CONCORD, CT 03302 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $97 | — | $97 | 10.00% |
| USI INSURANCE SERVICES LLC3 | 530 PRESTON AVE PO BOX 1040 MERIDEN, CT 06450 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | -$21 | $25 | $4 | 0.41% |
| HPHC INSURANCE AGENCY, INC.3 | 93 WORCESTER STREET WELLESLEY HILLS, MA 02481 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1 | — | $1 | 0.10% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MATTHEW THORNTON HEALTH PLAN, INC EIN 02-0494919 CONTRACT ADMINISTRATOR | Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Contract Administrator; Claims processing; Other services Service code 12 | — | $160K |
| USI EIN 13-3771734 CONSULTANT | Consulting (general) Service code 16 | — | $111K |
| BERNSTEIN SHUR LEGAL SERVICES | Legal Service code 29 | 100 MIDDLE STREET WEST TOWER PORTLAND, ME 04101 | $54K |
| WIPFLI, LLP EIN 39-0758449 INDEPENDENT AUDIT | Accounting (including auditing) Service code 10 | — | $37K |
| BSWIFT RECORDKEEPING | Recordkeeping and information management (computing, tabulating, data processing, etc.); Participant communication Service code 15 | 10 SOUTH RIVERSIDE PLAZA CHICAGO, IL 60606 | $32K |
| EBM EIN 46-3306306 RECORDKEEPING | Participant communication; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $8K |
| MASON + RICH, P.A. ACCOUNTING | Accounting (including auditing) Service code 10 | 6 BICENTENNIAL SQUARE CONCORD, NH 03301 | $6K |
| 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 | 1,196 | 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) | 1,196 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | 1,432 | $756K |
| Vision(12 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 131 | $422K |
| Life insurance(11 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 131 | $415K |
| Short-term disability(10 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 131 | $389K |
| Long-term disability(11 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 131 | $415K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 523 | $793K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,432 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.