| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROGER GETTEL3 | 1 VETERANS PARK DR MERRIMACK, NH 03054 | SYMETRA LIFE INSURANCE COMPANY | $80K | $0 | $80K | 10.00% |
| PLAN MARKETING INSURANCE AGENCY INC3 | PO BOX 5199 WESTBOROUGH, MA 015815199 | SYMETRA LIFE INSURANCE COMPANY | $0 | $21K | $21K | 2.63% |
| ROGER GETTEL3 | 1 VETERANS PARK DR MERRIMACK, NH 03054 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $13K | $0 | $13K | 9.07% |
| ROGER GETTEL3 | 1 VETERANS PARK DR MERRIMACK, NH 03054 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | $0 | $3K | 9.14% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTH PLANS INC EIN 04-2734278 MEDICAL TPA | Other services; Claims processing Service code 12 | 1500 WEST PARK DRIVE WESTBOROUGH, MA 01581 | $146K |
| DELTA DENTAL PLAN OF NH INC EIN 02-0273013 DENTAL CLAIMS PROCESSING | Claims processing Service code 12 | ONE DELTA DRIVE CONCORD, NH 033022002 | $36K |
| ROGER GETTEL BROKER | Insurance agents and brokers Service code 22 | 603-886-6167 1 VETERANS PARK DR MERRIMACK, NH 03054 | $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 | 318 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 322 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 256 | $36K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 318 | $140K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 318 | $140K |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 256 | $797K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 318 | $140K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 318 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.