| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 4725 PIEDMONT ROW DRIVE, SUITE 510 CHARLOTTE, NC 28210 | HARVARD PILGRIM HEALTH CARE OF NE INC - MA | $43K | $0 | $43K | 1.46% |
| CROSS INSURANCE3 Filed as: CROSS INSURANCE DBA FIAI, INC. | 1100 ELM STREET MANCHESTER, NH 03101 | HARVARD PILGRIM HEALTH CARE OF NE INC - MA | $19K | $0 | $19K | 0.63% |
| LOCKTON COMPANIES, LLC3 | 15939 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | HUMANA WISCONSIN HEALTH ORGANIZATION INSURANCE CORPORATION | $29K | $0 | $29K | 1.97% |
| LOCKTON COMPANIES, LLC3 | 6000 FELDWOOD ROAD COLLEGE PARK, GA 30349 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $27K | $0 | $27K | 4.17% |
| LOCKTON COMPANIES, LLC3 | 3280 PEACHTREE ROAD NW, SUITE 800 ATLANTA, GA 30305 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $6K | $6K | 0.99% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES, LLC DBA CSONE | PO BOX 1320 CONCORD, NH 03302 | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | $1K | $0 | $1K | 0.71% |
| LOCKTON COMPANIES, LLC3 | 4725 PIEDMONT ROW DRIVE, SUITE 510 CHARLOTTE, NC 28210 | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | $1K | $0 | $1K | 0.65% |
| LOCKTON COMPANIES, LLC3 | 6000 FELDWOOD ROAD COLLEGE PARK, GA 30349 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | $0 | $7K | 6.73% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES, LLC DBA CSONE | TWO DELTA DRIVE, SUITE 301 CONCORD, OH 03301 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $4K | $6K | 6.47% |
| CROSS INSURANCE3 Filed as: CROSS INSURANCE DBA FIAI, INC. | 1100 ELM STREET MANCHESTER, NH 03101 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $0 | $6K | 6.12% |
| LOCKTON COMPANIES, LLC3 | 4725 PIEDMONT ROW DRIVE, SUITE 510 CHARLOTTE, NC 28210 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | $0 | $5K | 8.00% |
| LOCKTON COMPANIES, LLC3 | 6000 FELDWOOD ROAD COLLEGE PARK, GA 30349 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $0 | $5K | 12.17% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES, LLC DBA CSONE | TWO DELTA DRIVE, SUITE 301 CONCORD, OH 03301 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 4.99% |
| LOCKTON COMPANIES, LLC3 | 3280 PEACHTREE ROAD NE, SUITE 800 ATLANTA, GA 30305 | AMERICAN UNITED LIFE INSURANCE COMPANY | $3K | $0 | $3K | 10.00% |
| LOCKTON COMPANIES, LLC3 | 3280 PEACHTREE ROAD NW, SUITE 800 ATLANTA, GA 30305 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 8.00% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES, LLC | TWO DELTA DRIVE, SUITE 301 CONCORD, OH 03301 | TRUSTMARK INSURANCE COMPANY | $2K | $0 | $2K | 19.12% |
| CROSS INSURANCE3 Filed as: CROSS INSURANCE DBA FIAI, INC. | 1100 ELM STREET MANCHESTER, NH 03101 | TRUSTMARK INSURANCE COMPANY | $1K | $0 | $1K | 12.75% |
| LOCKTON COMPANIES, LLC3 | 15939 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | HUMANA INSURANCE COMPANY | $615 | $0 | $615 | 10.03% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $35 | $35 | — |
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 | 975 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 989 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | HARVARD PILGRIM HEALTH CARE OF NE INC - MA | 975 | $4.5M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | 431 | $237K |
| Vision(2 contracts, 2 carriers) | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | 431 | $180K |
| Life insurance(5 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,050 | $814K |
| Short-term disability(3 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 180 | $173K |
| Long-term disability(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,050 | $664K |
| Prescription drug(3 contracts, 3 carriers) | HARVARD PILGRIM HEALTH CARE OF NE INC - MA | 975 | $4.4M |
| Other(5 contracts, 4 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,050 | $736K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,050 | — |
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.