| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROSS INSURANCE3 | 57 MARKET STREET MANCHESTER, NH 03101 | HPHC JOINT VENTURE UHG | $59K | — | $59K | 1.23% |
| CROSS INSURANCE3 | 57 MARKET STREET MANCHESTER, NH 03101 | HPHC JOINT VENTURE UHG | $25K | — | $25K | 1.45% |
| CROSS INSURANCE3 | 57 MARKET STREET MANCHESTER, NH 03101 | HPHC JOINT VENTURE UHG | $22K | — | $22K | 1.29% |
| ARISTA INVESTORS CORP3 | P.O. BOX 1912 NEW YORK, NY 10101 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $59K | $10K | $69K | 9.55% |
| CROSS INSURANCE3 | 57 MARKET STREET MANCHESTER, NH 03101 | HPHC JOINT VENTURE UHG | $9K | — | $9K | 1.28% |
| ARISTA INVESTORS CORP3 | P.O. BOX 1912 NEW YORK, NY 10101 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $19K | $11K | $30K | 4.68% |
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 | 1,122 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 916 | $641K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 916 | $641K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,081 | $725K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,081 | $725K |
| Other(5 contracts, 2 carriers) | HPHC JOINT VENTURE UHG | 1,192 | $9.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,192 | — |
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.