| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GRANITE GROUP BENEFITS, LLC3 Filed as: GRANITE GROUP BENEFITS | 1001 ELM ST STE 301 MANCHESTER, NH 03101 | HARVARD PILGRIM HEALTH CARE | $37K | — | $37K | 0.86% |
| LANDMARK BENEFITS INC | 183 ROCKINGHAM RD UNIT 2 WINDHAM, NH 03087 | HARVARD PILGRIM HEALTH CARE | $10K | — | $10K | 0.23% |
| GRANITE GROUP BENEFITS, LLC3 Filed as: GRANITE GROUP BENEFITS | 1001 ELM ST STE 301 MANCHESTER, NH 03101 | HARVARD PILGRIM HEALTH CARE | $9K | — | $9K | 0.86% |
| HP PLANNING LLC3 | 535 CONNECTCUT AVE SUITE 502 NORWALK, CT 06854 | HARVARD PILGRIM HEALTH CARE | — | $2K | $2K | 0.23% |
| ARISTA INVESTORS CORP3 | 25 NEWBRIDGE RD STE 310 HICKSVILLE, NY 11801 | GUARDIAN | $46K | $45K | $90K | 21.02% |
| GRANITE GROUP BENEFITS, LLC3 Filed as: GRANITE GROUP BENEFITS | 1001 ELM ST STE 301 MANCHESTER, NH 03101 | HARVARD PILGRIM HEALTH CARE | $2K | — | $2K | 0.86% |
| HP PLANNING LLC3 | 535 CONNECTCUT AVE SUITE 502 NORWALK, CT 06854 | HARVARD PILGRIM HEALTH CARE | — | $539 | $539 | 0.23% |
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 | 473 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 473 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 331 | $430K |
| Life insurance | GUARDIAN | 331 | $430K |
| Short-term disability | GUARDIAN | 331 | $430K |
| Long-term disability | GUARDIAN | 331 | $430K |
| Other(2 contracts) | HARVARD PILGRIM HEALTH CARE | 4 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 358 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.