| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FIAI INC3 Filed as: FIAI, INC. | PO BOX 1388 BANGOR, ME 04402 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $112K | $112K | 3.47% |
| LOCKTON COMPANIES, LLC3 | 3280 PEACHTREE ROAD NE ATLANTA, GA 30305 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $24K | $24K | 0.74% |
| LOCKTON COMPANIES, LLC3 | 3280 PEACHTREE ROAD NE, SUITE 250 ATLANTA, GA 30305 | NETWORK HEALTH PLAN | $32K | $0 | $32K | 2.58% |
| LOCKTON COMPANIES, LLC3 | LOCKBOX 741738, SUITE 510 ATLANTA, GA 30374 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $51K | $19K | $70K | 8.68% |
| THE BREMER GROUP LLC3 Filed as: THE BREMER GROUP, LLC | 8000 BOHNOMME AVENUE, SUITE 213 SAINT LOUIS, MO 63105 | UNITEDHEALTHCARE INSURANCE COMPANY | $16K | $1K | $18K | 3.31% |
| FIAI INC3 Filed as: FIAI, INC. DBA CROSS INSURANCE | 1100 ELM STREET MANCHESTER, NH 03102 | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | $4K | $0 | $4K | 2.31% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES, LLC | PO BOX 1320 CONCORD, NH 03302 | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | $1K | $0 | $1K | 0.74% |
| LOCKTON COMPANIES, LLC3 | 4725 PIEDMONT ROW DRIVE, SUITE 510 CHARLOTTE, NC 28210 | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | $1K | $0 | $1K | 0.63% |
| LOCKTON COMPANIES, LLC3 | 4725 PIEDMONT ROW DRIVE, SUITE 510 CHARLOTTE, NC 28210 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $7K | $0 | $7K | 7.71% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES, LLC | TWO DELTA DRIVE, SUITE 301 CONCORD, NH 03301 | TRUSTMARK INSURANCE COMPANY | $2K | $0 | $2K | 4.08% |
| FIAI INC3 Filed as: FIAI, INC. DBA CROSS INSURANCE | 1100 ELM STREET MANCHESTER, NH 03101 | TRUSTMARK INSURANCE COMPANY | $2K | $0 | $2K | 3.33% |
| FIAI INC3 Filed as: FIAI, INC. DBA CROSS INSURANCE | 1100 ELM STREET MANCHESTER, NH 03102 | RED TREE INSURANCE COMPANY INC. | $2K | $0 | $2K | 7.50% |
| LOCKTON COMPANIES, LLC3 | 4725 PIEDMONT ROW DRIVE, SUITE 510 CHARLOTTE, NC 28210 | RED TREE INSURANCE COMPANY INC. | $760 | $0 | $760 | 2.57% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES, LLC | PO BOX 1320 CONCORD, NH 03302 | RED TREE INSURANCE COMPANY INC. | $447 | $0 | $447 | 1.51% |
| LOCKTON COMPANIES, LLC3 | 4725 PIEDMONT ROW DRIVE, SUITE 510 CHARLOTTE, NC 28210 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 8.00% |
| LOCKTON COMPANIES, LLC3 | 3280 PEACHTREE ROAD NE, SUITE 250 ATLANTA, GA 30305 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $34 | $34 | — |
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 | 895 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 23 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 918 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 313 | $5.1M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | 399 | $265K |
| Vision(2 contracts, 2 carriers) | NETWORK HEALTH PLAN | 399 | $1.3M |
| Life insurance(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 895 | $870K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 895 | $811K |
| Long-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 895 | $823K |
| Prescription drug(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 313 | $5.0M |
| Other(5 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 895 | $963K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 895 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.