| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BREMER GROUP LLC3 Filed as: BREMER GROUP, LLC | 8112 MARYLAND AVE STE 400 SAINT LOUIS, MO 63105 | UNITEDHEALTHCARE INSURANCE COMPANY | $13K | — | $13K | 2.27% |
| LOCKTON COMPANIES, LLC3 | LOCKBOX 741738 6000 FELDWOOD ROAD COLLEGE PARK, GA 30349 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $19K | — | $19K | 5.00% |
| LOCKTON COMPANIES, LLC3 | LOCKBOX 741738 6000 FELDWOOD ROAD COLLEGE PARK, GA 30349 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $18K | — | $18K | 5.00% |
| FIAI INC3 Filed as: FIAI, INC. DBA CROSS INSURANCE | 1100 ELM STREET MANCHESTER, NH 03102 | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | $5K | — | $5K | 3.48% |
| COMBINED SERVICES LLC3 | PO BOX 1320 CONCORD, NH 03302 | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | $1K | — | $1K | 0.86% |
| LOCKTON COMPANIES, LLC3 | 6000 FELDWOOD ROAD COLLEGE PARK, GA 30349 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $10K | — | $10K | 10.72% |
| LOCKTON COMPANIES, LLC3 | LOCKBOX 741738 6000 FELDWOOD ROAD COLLEGE PARK, GA 30349 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | — | $12K | 15.00% |
| LOCKTON COMPANIES, LLC3 | LOCKBOX 741738 6000 FELDWOOD ROAD COLLEGE PARK, GA 30349 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 10.00% |
| LOCKTON COMPANIES, LLC3 | LOCKBOX 741738 6000 FELDWOOD ROAD COLLEGE PARK, GA 30349 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 5.00% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES, LLC | TWO DELTA DRIVE SUITE 301 CONCORD, NH 03301 | TRUSTMARK INSURANCE COMPANY | $656 | — | $656 | 2.74% |
| FIAI INC3 Filed as: FIAI, INC. DBA CROSS MANCHESTER | 1100 ELM STREET MANCHESTER, NH 03101 | TRUSTMARK INSURANCE COMPANY | $438 | — | $438 | 1.83% |
| FIAI INC3 Filed as: FIAI, INC. DBA CROSS INSURANCE | 1100 ELM STREET MANCHESTER, NH 03102 | RED TREE INSURANCE COMPANY, INC. | $1K | — | $1K | 7.62% |
| CROSS INSURANCE3 Filed as: CROSS INSURANCE, INC. | 1100 ELM STREET MANCHESTER, NH 03101 | RED TREE INSURANCE COMPANY, INC. | $455 | — | $455 | 2.76% |
| COMBINED SERVICES LLC3 | PO BOX 1320 CONCORD, NH 03302 | RED TREE INSURANCE COMPANY, INC. | $257 | — | $257 | 1.56% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LIFE INSURANCE COMPANY OF NA EIN 23-1503749 ASO STD ADMIN | Claims processing; Contract Administrator Service code 12 | — | $24K |
| VOYA BENEFITS COMPANY, LLC EIN 02-0488491 HCRA/COBRA ADMIN | Claims processing; Contract Administrator Service code 12 | — | $7K |
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 | 844 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 37 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 888 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 101 | $678K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | 198 | $226K |
| Vision | RED TREE INSURANCE COMPANY, INC. | 137 | $17K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 841 | $472K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 151 | $80K |
| Long-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 844 | $440K |
| Other(5 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 841 | $570K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 844 | — |
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.