| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RT CONSULTING LLC3 | PO BOX 808 PETERBOROUGH, NH 03458 | ANTHEM HEALTH PLANS OF NEW HAMPSHIRE | $36K | — | $36K | 0.63% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EXPRESS SCRIPTS | Direct payment from the plan; Claims processing Service code 12 | 21653 NETWORK PLACE CHICAGO, IL 60673 | $4.8M |
| RT CONSULTING EIN 03-0611707 | Consulting (general); Consulting fees Service code 16 | 2-4 MAIN STREET PETERBOROUGH, NH 034580838 | $2.5M |
| HEALTH ANALYTIC PARTNERS | Consulting (general); Consulting fees Service code 16 | 3 TIMOR STREET STUART, FL 34496 | $988K |
| ANTHEM BLUE CROSS BLUE SHIELD EIN 02-0510530 | Contract Administrator; Direct payment from the plan Service code 13 | 300 GOFF FALLS ROAD MANCHESTER, NH 03111 | $526K |
| VISTA UNDERWRITING PARTNERS, LLC EIN 26-0453562 | Consulting fees; Consulting (general) Service code 16 | 1400 N PROVIDENCE RD MEDIA, PA 19063 | $324K |
| GROOM LAW GROUP, CHARTERED EIN 52-1219029 | Direct payment from the plan; Legal Service code 29 | 1701 PENNSYLVANIA NW1200 WASHINGTON, DC 20006 | $294K |
| THE ERISA ADVISORY GROUP EIN 45-2841488 | Named fiduciary; Direct payment from the plan Service code 31 | 9506 WINDING RIDGE DRIVE DALLAS, TX 75238 | $115K |
| CAMBRIDGE ADVISORY GROUP EIN 20-1253830 | Direct payment from the plan; Actuarial Service code 11 | 1021 WEST 8TH AVENUE KING OF PRUSSIA, PA 19406 | $100K |
| MAINI PARTNERS LLC EIN 46-4356033 | Consulting fees; Consulting (general) Service code 16 | P.O. BOX 171321 BOSTON, MA 02117 | $77K |
| MAHONEY SABOL & COMPANY LLP EIN 06-1289571 | Accounting (including auditing); Direct payment from the plan Service code 10 | 180 GLASTONBURY BLVD GLASTONBURY, CT 06033 | $73K |
| STALL LEGAL, LLC EIN 84-5150054 | Direct payment from the plan; Legal Service code 29 | 8044 MONTGOMERY RD STE700 CINCINNATI, OH 45236 | $69K |
| MODERN ASSISTANCE PROGRAM EIN 04-3014253 | Consulting (general); Consulting fees Service code 16 | 1400 HANCOCK STREET QUINCY, MA 02169 | $63K |
| KORE INSURANCE HOLDINGS, LLC EIN 46-1497939 | Consulting (general); Consulting fees Service code 16 | 354 EISENHOWER PARKWAY LIVINGSTON, NJ 07039 | $45K |
| PITNEY BOWES BANK EIN 84-1386389 | Other services; Direct payment from the plan Service code 49 | 110 CORPORATE DRIVE PORTSMOUTH, NH 03801 | $28K |
| LORE, INC | Consulting fees; Consulting (general) Service code 16 | P.O BOX 570 KITTERY, ME 03904 | $21K |
| SEQUOYA TECHNOLOGIES GROUP, LLC EIN 27-0021269 | Consulting fees; Consulting (general) Service code 16 | COMMUNITY LANE PETERBOROUGH, NH 034580838 | $19K |
| ALEGEUS TECHNOLOGIES EIN 38-3261866 | Direct payment from the plan; Claims processing Service code 12 | BIN 129 MILWAUKEE, WI 53288 | $18K |
| HANNAFORD & DUMAS EIN 04-2593260 | Other fees; Other services Service code 49 | 26 CONN STREET WOBURN, MA 01801 | $7K |
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 | 1,346 | 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) | 1,346 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF NEW HAMPSHIRE | 2,495 | $5.8M |
| Vision | ANTHEM HEALTH PLANS OF NEW HAMPSHIRE | 2,495 | $5.8M |
| Life insurance | LINCOLN FINANCIAL | 1,733 | $181K |
| Short-term disability(2 contracts, 2 carriers) | LINCOLN FINANCIAL | 1,733 | $194K |
| Long-term disability(2 contracts, 2 carriers) | LINCOLN FINANCIAL | 1,733 | $194K |
| Stop-loss / reinsurancereinsurance | ANTHEM HEALTH PLANS OF NEW HAMPSHIRE | 2,495 | $5.8M |
| Other | HARTFORD LIFE AND ACCIDENT | 115 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,495 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.