| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NEW ENGLAND EMPLOYEE BENEFITS CO3 | 15 CHENELL DRIVE CONCORD, NH 03301 | MATTHEW THORNTON HEALTH PLAN, INC. | $74K | $11K | $85K | 5.02% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC DBA NEEBCO | 15 CHENNEL DRIVE CONCORD, NH 03301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $14K | $12K | $26K | 14.15% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK EAST DRIVE STE 350 BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $6K | $6K | 3.28% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 | 15 CHENELL DRIVE CONCORD, NH 03301 | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | $5K | — | $5K | 5.06% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: NEW ENGLAND EMPLOYEE BENEFITS | 15 CHENELL DRIVE CONCORD, NH 03301 | TRANSAMERICA LIFE INSURANCE COMPANY | $20K | — | $20K | 46.31% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: NEW ENGLAND EMPLOYEE BENEFITS | 15 CHENELL DRIVE CONCORD, NH 03301 | VISION SERVICE PLAN | $1K | — | $1K | 5.49% |
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 | 221 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 224 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | MATTHEW THORNTON HEALTH PLAN, INC. | 347 | $1.7M |
| Dental | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | 208 | $99K |
| Vision | VISION SERVICE PLAN | 156 | $20K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 264 | $227K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 264 | $184K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 264 | $184K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 264 | $227K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 347 | — |
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.