| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UNIFIED GROUP SERVICES, INC.3 | 3131 EAST 67TH STREET ANDERSON, IN 46013 | HCC LIFE INSURANCE COMPANY | $12K | — | $12K | 3.00% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: NEW ENGLAND EMPLOYEE BEN CO INC | 15 CHENELL DR CONCORD, NH 03301 | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | $17K | — | $17K | 8.06% |
| COMBINED SERVICES LLC3 | PO BOX 1320 CONCORD, NH 033021320 | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | $1K | — | $1K | 0.70% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: NEW ENGLAND EMPLOYEE BEN CO INC | 15 CHENELL DR CONCORD, NH 03301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $17K | $8K | $26K | 14.51% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: NEW ENGLAND EMPLOYEE BEN CO INC | 15 CHENELL DR CONCORD, NH 03301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $5K | $14K | 10.84% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: NEW ENGLAND EMPLOYEE BEN CO INC | 15 CHENELL DR CONCORD, NH 03301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $5K | $13K | 11.26% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: NEW ENGLAND EMPLOYEE BEN CO INC | 15 CHENELL DR CONCORD, NH 03301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $5K | $14K | 11.86% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: NEW ENGLAND EMPLOYEE BEN CO INC | 15 CHENELL DR CONCORD, NH 03301 | VSP | $2K | — | $2K | 3.21% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: NEW ENGLAND EMPLOYEE BEN CO INC | 15 CHENELL DR CONCORD, NH 03301 | TLIC | $6K | — | $6K | 24.74% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: NEW ENGLAND EMPLOYEE BEN CO INC | 15 CHENELL DR CONCORD, NH 03301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $724 | $4K | 18.57% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: NEW ENGLAND EMPLOYEE BEN CO INC | 15 CHENELL DR CONCORD, NH 03301 | TLIC | $2K | — | $2K | 50.39% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: NEW ENGLAND EMPLOYEE BEN CO INC | 15 CHENELL DR CONCORD, NH 03301 | TLIC | $2K | — | $2K | 49.10% |
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 | 409 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 413 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | 323 | $208K |
| Vision | VSP | 304 | $65K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 409 | $294K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 294 | $130K |
| Long-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 243 | $138K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 308 | $398K |
| Other(6 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 409 | $330K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 409 | — |
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.