| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROGER GETTEL3 | 1 VETERANS PARK DRIVE MERRIMACK, NH 03054 | SUN LIFE ASSURANCE COMPANY OF CANADA | $98K | $0 | $98K | 10.00% |
| HEALTH PLANS, INC.3 Filed as: HEALTH PLANS, INC | 1500 WEST PARK DRIVE STE 330 WESTBOROUGH, MA 01581 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $14K | $14K | 1.38% |
| ROGER GETTEL3 | 1 VETERANS PARK DRIVE MERRIMACK, NH 03054 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | $0 | $11K | 8.73% |
| ROGER GETTEL3 | 1 VETERANS PARK DRIVE MERRIMACK, NH 03054 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $4K | $0 | $4K | 10.62% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTH PLANS INC EIN 04-2734278 MEDICAL TPA | Claims processing; Other services Service code 12 | 1500 WEST PARK DRIVE WESTBOROUGH, MA 01581 | $135K |
| DELTA DENTAL PLAN OF NH INC EIN 02-0273013 DENTAL CLAIM PROCESSING | Claims processing Service code 12 | ONE DELTA DRIVE CONCORD, NH 03302 | $35K |
| ROGER GETTEL BROKER | Insurance agents and brokers Service code 22 | 603-886-6167 1 VETERANS PARK DRIVE MERRIMACK, NH 03054 | $8K |
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 | 308 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 309 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 255 | $34K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 308 | $122K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 308 | $122K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 255 | $979K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 308 | $122K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 308 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.