| 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. | $1.7M | — | $1.7M | 94.88% |
| CROSS INSURANCE3 Filed as: CROSS INSURANCE INC | 1100 ELM STREET MANCHESTER, NH 03101 | MATTHEW THORNTON HEALTH PLAN, INC. | $45K | $8K | $53K | 2.91% |
| FIAI INC3 Filed as: FIAI, INC. DBA CROSS INSURANCE | 1100 ELM STREET MANCHESTER, NH 03102 | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | $3K | — | $3K | 2.78% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 | 15 CHENELL DRIVE CONCORD, ND 03301 | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | $2K | — | $2K | 1.94% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES LLC DBA CSONE BEN | PO BOX 1320 CONCORD, NH 03302 | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | $969 | — | $969 | 0.80% |
| CROSS INSURANCE3 Filed as: CROSS INSURANCE INC NEW HAMPSHIRE | 1100 ELM STREET MANCHESTER, NH 03101 | ANTHEM LIFE INSURANCE COMPANY | $18K | — | $18K | 16.20% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE SUITE 2 AUGUSTA, ME 04330 | ANTHEM LIFE INSURANCE COMPANY | — | $2K | $2K | 1.67% |
| FIAI INC3 Filed as: FIAI, INC. | 1100 ELM STREET MANCHESTER, NH 03101 | VISION SERVICE PLAN | $746 | — | $746 | 3.68% |
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 | 220 | 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) | 220 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MATTHEW THORNTON HEALTH PLAN, INC. | 344 | $1.8M |
| Dental | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | 398 | $122K |
| Vision(2 contracts, 2 carriers) | MATTHEW THORNTON HEALTH PLAN, INC. | 344 | $1.8M |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 260 | $114K |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY | 260 | $114K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 260 | $114K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 398 | — |
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.
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.