| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| N.E. EMPLOYEE BENEFITS COMPANY3 | 15 CHENELL DR CONCORD, NH 03301 | ANTHEM HEALTH PLANS OF NEW HAMPHIRE INC | $86K | $19K | $105K | 2.86% |
| N.E. EMPLOYEE BENEFITS COMPANY3 Filed as: N.E. EMPLOYEE BENEFITS COMPANY INC | 15 CHENELL DR CONCORD, NH 03301 | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | $5K | $0 | $5K | 3.20% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC DBA NEEBCO | 15 CHENELL DR CONCORD, NH 03301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $8K | $13K | 9.25% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC DBA NEEBCO | 15 CHENELL DR CONCORD, NH 03301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $4K | $11K | 17.52% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 3.21% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC DBA NEEBCO | 15 CHENELL DR CONCORD, NH 03301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $3K | $7K | 13.33% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 03301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.94% |
| N.E. EMPLOYEE BENEFITS COMPANY3 | 15 CHENELL DR CONCORD, NH 03301 | VISION SERVICE PLAN | $1K | $0 | $1K | 2.48% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: NEW ENGLAND EMPLOYEE BENEFITS | 15 CHENELL DR CONCORD, NH 033018539 | VISION SERVICE PLAN | $1K | $0 | $1K | 2.31% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC DBA NEEBCO | 15 CHENELL DR CONCORD, NH 03301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $3K | $7K | 15.49% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 2.98% |
| N.E. EMPLOYEE BENEFITS COMPANY3 | 15 CHENELL DR CONCORD, NH 03301 | TRANSAMERICA LIFE INSURANCE COMPANY | $8K | $0 | $8K | 24.59% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC DBA NEEBCO | 15 CHENELL DR CONCORD, NH 03301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $420 | $2K | 19.57% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $210 | $210 | 2.29% |
| N.E. EMPLOYEE BENEFITS COMPANY3 Filed as: N.E. EMPLOYEE BENEFITS COMPANY INC | 15 CHENELL DR CONCORD, NH 03301 | TRANSAMERICA LIFE INSURANCE COMPANY | $721 | $0 | $721 | 14.89% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC DBA NEEBCO | 15 CHENELL DR CONORD, NH 03301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $6K | $6K | — |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $3K | $3K | — |
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 | 331 | 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) | 331 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF NEW HAMPHIRE INC | 312 | $3.7M |
| Dental | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | 381 | $163K |
| Vision | VISION SERVICE PLAN | 213 | $53K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 331 | $56K |
| Short-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 252 | $143K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 97 | $44K |
| Other(5 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 331 | $165K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 381 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.