| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: NEW ENGLAND EMPLOYEE BENEFITS CO. | 15 CHENELL DRIVE CONCORD, NH 03301 | ANTHEM HEALTH PLANS OF NEW HAMPSHIRE, INC. | $69K | $11K | $80K | 2.74% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 15 CHENELL DRIVE CONCORD, NH 03301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $21K | $16K | $36K | 14.54% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK EAST DRIVE, SUITE 350 BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $10K | $10K | 3.91% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: NEW ENGLAND EMPLOYEE BENEFITS CO. | 15 CHENELL DRIVE CONCORD, NH 03301 | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | $4K | $0 | $4K | 3.23% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: NEW ENGLAND EMPLOYEE BENEFITS CO. | 15 CHENELL DRIVE CONCORD, NH 03301 | VISION SERVICE PLAN | $2K | $0 | $2K | 3.96% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: NEW ENGLAND EMPLOYEE BENEFITS CO. | 15 CHENELL DRIVE CONCORD, NH 03301 | TRANSAMERICA LIFE INSURANCE COMPANY | $9K | $0 | $9K | 20.70% |
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 | 302 | 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) | 302 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF NEW HAMPSHIRE, INC. | 307 | $2.9M |
| Dental | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | 371 | $136K |
| Vision | VISION SERVICE PLAN | 207 | $44K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 302 | $249K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 302 | $249K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 302 | $249K |
| Prescription drug | ANTHEM HEALTH PLANS OF NEW HAMPSHIRE, INC. | 307 | $2.9M |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 302 | $290K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 371 | — |
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.