| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FIAI INC3 | 1100 ELM STREET MANCHESTER, NH 03101 | MATTHEW THORNTON HEALTH PLAN, INC. | $60K | $8K | $69K | 3.99% |
| FIAI INC3 | 1100 ELM STREET MANCHESTER, NH 03101 | ANTHEM LIFE INSURANCE COMPANY | $25K | — | $25K | 13.38% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE SUITE 2 AUGUSTA, ME 04330 | ANTHEM LIFE INSURANCE COMPANY | — | $2K | $2K | 0.87% |
| FIAI INC3 Filed as: FIAI, INC. DBA CROSS INSURANCE | 1100 ELM STREET MANCHESTER, NH 03102 | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | $4K | — | $4K | 4.91% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES LLC DBA CSONE BEN | PO BOX 1320 CONCORD, NH 03302 | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | $702 | — | $702 | 0.81% |
| FIAI INC3 Filed as: FIAI, INC. | 1100 ELM STREET MANCHESTER, NH 03101 | VISION SERVICE PLAN | $468 | — | $468 | 2.83% |
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 | 193 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 193 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MATTHEW THORNTON HEALTH PLAN, INC. | 335 | $1.7M |
| Dental | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | 226 | $87K |
| Vision(2 contracts, 2 carriers) | MATTHEW THORNTON HEALTH PLAN, INC. | 335 | $1.7M |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 253 | $187K |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY | 253 | $187K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 253 | $187K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 335 | — |
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.