| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: NEW ENGLAND EMPLOYEE BENEFITS | COMPANY INC 15 CHENELL DRIVE CONCORD, NH 03301 | ANTHEM HEALTH PLANS OF NEW HAMPSHIRE, INC. | $76K | $55K | $130K | 4.04% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: NEW ENGLAND EMPLOYEE BENEFITS | COMPANY INC 15 CHENELL DRIVE CONCORD, NH 03301 | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | $6K | — | $6K | 3.61% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES LLC DBA CSONE | BENEFIT SOLUTIONS PO BOX 1320 CONCORD, NH 03302 | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | $1K | — | $1K | 0.85% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: NEW ENGLAND EMPLOYEE BENEFITS | COMPANY INC 15 CHENELL DRIVE CONCORD, NH 03301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $3K | $10K | 14.43% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: NEW ENGLAND EMPLOYEE BENEFITS | COMPANY INC 15 CHENELL DRIVE CONCORD, NH 03301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $7K | 11.22% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: NEW ENGLAND EMPLOYEE BENEFITS | COMPANY INC 15 CHENELL DRIVE CONCORD, NH 03301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $6K | 11.51% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: NEW ENGLAND EMPLOYEE BENEFITS | COMPANY INC 15 CHENELL DRIVE CONCORD, NH 03301 | VISION SERVICE PLAN | $2K | — | $2K | 3.82% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: NEW ENGLAND EMPLOYEE BENEFITS | COMPANY INC 15 CHENELL DRIVE CONCORD, NH 03301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $6K | 13.08% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: NEW ENGLAND EMPLOYEE BENEFITS | COMPANY INC 15 CHENELL DRIVE CONCORD, NH 03301 | TRANSAMERICA LIFE INSURANCE COMPANY | $4K | — | $4K | 21.20% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: NEW ENGLAND EMPLOYEE BENEFITS | COMPANY INC 15 CHENELL DRIVE CONCORD, NH 03301 | TRANSAMERICA LIFE INSURANCE COMPANY | $3K | — | $3K | 33.35% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: NEW ENGLAND EMPLOYEE BENEFITS | COMPANY INC 15 CHENELL DRIVE CONCORD, NH 03301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $308 | $1K | 19.38% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: NEW ENGLAND EMPLOYEE BENEFITS | COMPANY INC 15 CHENELL DRIVE CONCORD, NH 03301 | TRANSAMERICA LIFE INSURANCE COMPANY | $503 | — | $503 | 14.92% |
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 | 365 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 365 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF NEW HAMPSHIRE, INC. | 0 | $3.2M |
| Dental | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | 457 | $165K |
| Vision(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF NEW HAMPSHIRE, INC. | 253 | $3.3M |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 365 | $122K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 264 | $60K |
| Long-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 125 | $53K |
| Other(5 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 365 | $152K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 457 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.