| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FIAI INC3 Filed as: FIAI, INC. | 491 MAIN STREET BANGOR, ME 04402 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $104K | $104K | 3.64% |
| CROSS BENEFIT SOLUTIONS3 | UNKNOWN CHARLESTON, SC 29405 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $3K | $3K | 0.10% |
| LOCKTON COMPANIES, LLC3 | 3280 PEACHTREE ROAD NW, SUITE 800 ATLANTA, GA 30305 | NETWORK HEALTH PLAN | $31K | $0 | $31K | 2.27% |
| LOCKTON COMPANIES, LLC3 | 6000 FELDWOOD ROAD COLLEGE PARK, GA 30349 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $54K | $17K | $71K | 8.03% |
| THE BREMER GROUP LLC3 Filed as: THE BREMER GROUP, LLC | 8000 BONHOMME AVENUE, SUITE 213 SAINT LOUIS, MO 63105 | UNITEDHEALTHCARE INSURANCE COMPANY | $16K | $2K | $18K | 3.06% |
| FIAI INC3 Filed as: FIAI, INC. | 1100 ELM STREET MANCHESTER, NH 03102 | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | $5K | $0 | $5K | 3.48% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES, LLC | PO BOX 1320 CONCORD, NH 03302 | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | $1K | $0 | $1K | 0.85% |
| LOCKTON COMPANIES, LLC3 | 6000 FELDWOOD ROAD COLLEGE PARK, GA 30349 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $6K | $0 | $6K | 10.00% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES, LLC | TWO DELTA DRIVE, SUITE 301 CONCORD, NH 03301 | TRUSTMARK INSURANCE COMPANY | $734 | $0 | $734 | 2.74% |
| FIAI INC3 Filed as: FIAI, INC. | 1100 ELM STREET MANCHESTER, NH 03102 | TRUSTMARK INSURANCE COMPANY | $490 | $0 | $490 | 1.83% |
| FIAI INC3 Filed as: FIAI, INC. | 1100 ELM STREET MANCHESTER, NH 03102 | RED TREE INSURANCE COMPANY, INC. | $2K | $0 | $2K | 10.05% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES, LLC | PO BOX 1320 CONCORD, NH 03302 | RED TREE INSURANCE COMPANY, INC. | $327 | $0 | $327 | 1.51% |
| LOCKTON COMPANIES, LLC3 | 6000 FELDWOOD ROAD COLLEGE PARK, GA 30349 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $47 | $47 | — |
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 | 806 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 815 | 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 | 242 | $4.8M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | 328 | $200K |
| Vision(2 contracts, 2 carriers) | NETWORK HEALTH PLAN | 328 | $1.4M |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 806 | $911K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 806 | $884K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 806 | $884K |
| Prescription drug(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 242 | $4.8M |
| Other(4 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 806 | $968K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 806 | — |
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."
No prospect flags tripped on this filing.