| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FIAI INC3 | 491 MAIN STREET BANGOR, ME 04402 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $63K | $63K | 2.14% |
| LOCKTON COMPANIES, LLC3 | 4725 PIEDMONT ROW DRIVE, SUITE 510 CHARLOTTE, NC 28210 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $7K | $7K | 0.22% |
| LOCKTON COMPANIES, LLC3 | 3280 PEACHTREE ROAD NE, SUITE 250 ATLANTA, GA 30305 | NETWORK HEALTH PLAN | $36K | $0 | $36K | 3.21% |
| LOCKTON COMPANIES, LLC3 | 6000 FELDWOOD ROAD COLLEGE PARK, GA 30349 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $51K | $5K | $55K | 6.77% |
| THE BREMER GROUP LLC3 | 8000 BONHOMME AVENUE, SUITE 213 ST. LOUIS, MO 63105 | UNITEDHEALTHCARE INSURANCE COMPANY | $15K | $2K | $17K | 2.97% |
| FIAI INC3 Filed as: FIAI, INC.-DBA CROSS MANCHE | 1100 ELM STREET MANCHESTER, NH 03102 | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | $5K | $0 | $5K | 3.37% |
| COMBINED SERVICES LLC3 | PO BOX 1320 CONCORD, NH 03302 | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | $1K | $0 | $1K | 0.80% |
| LOCKTON COMPANIES, LLC3 | 6000 FELDWOOD ROAD COLLEGE PARK, GA 30349 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $6K | $0 | $6K | 8.00% |
| COMBINED SERVICES LLC3 | TWO DELTA DRIVE, SUITE 301 CONCORD, NH 03301 | TRUSTMARK INSURANCE COMPANY | $1K | $0 | $1K | 2.91% |
| FIAI INC3 Filed as: FIAI, INC.-DBA CROSS MANCHE | 1100 ELM STREET MANCHESTER, NH 03102 | TRUSTMARK INSURANCE COMPANY | $737 | $0 | $737 | 1.95% |
| FIAI INC3 Filed as: FIAI, INC.-DBA CROSS MANCHE | 1100 ELM STREET MANCHESTER, NH 03102 | RED TREE INSURANCE COMPANY, INC. | $3K | $0 | $3K | 10.14% |
| COMBINED SERVICES LLC3 | PO BOX 1320 CONCORD, NH 03302 | RED TREE INSURANCE COMPANY, INC. | $385 | $0 | $385 | 1.52% |
| LOCKTON COMPANIES, LLC3 | 6000 FELDWOOD ROAD COLLEGE PARK, GA 30349 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $800 | $0 | $800 | 8.00% |
| LOCKTON COMPANIES, LLC3 | 3280 PEACHTREE ROAD NE, SUITE 250 ATLANTA, GA 30305 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $356 | $45 | $401 | 16.90% |
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 | 836 | 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) | 850 | 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 | 283 | $4.7M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | 357 | $224K |
| Vision(2 contracts, 2 carriers) | NETWORK HEALTH PLAN | 356 | $1.2M |
| Life insurance(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 526 | $865K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 526 | $817K |
| Long-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 526 | $827K |
| Prescription drug(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 283 | $4.6M |
| Other(5 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 836 | $942K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 836 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.