| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE ROWLEY AGENCY3 Filed as: THE ROWLEY AGENCY INC | UNKNOWN BEDFORD, NH 03110 | HARVARD PILGRIM HEALTH CARE OF NE INC - MA | $24K | $0 | $24K | 2.45% |
| USI INSURANCE SERVICES LLC3 | UNKNOWN BEDFORD, NH 03110 | HARVARD PILGRIM HEALTH CARE OF NE INC - MA | $13K | $0 | $13K | 1.26% |
| THE ROWLEY AGENCY3 Filed as: THE ROWLEY AGENCY INC | 45 CONSTITUTION AVENUE CONCORD, NH 03302 | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | $3K | $0 | $3K | 3.70% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SVCS DBA CSONE BNFT SLTNS | PO BOX 1320 CONCORD, NH 03302 | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | $653 | $0 | $653 | 0.73% |
| THE ROWLEY AGENCY3 Filed as: THE ROWLEY AGENCY INC | PO BOX 511 CONCORD, NH 03302 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $532 | $4K | 11.77% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $633 | $163 | $796 | 2.40% |
| THE ROWLEY AGENCY3 Filed as: THE ROWLEY AGENCY INC | 45 CONSTITUTION AVENUE CONCORD, NH 03302 | RED TREE INSURANCE COMPANY, INC. | $534 | $0 | $534 | 7.41% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SVCS DBA CSONE BNFT SLTNS | PO BOX 1320 CONCORD, NH 03302 | RED TREE INSURANCE COMPANY, INC. | $99 | $0 | $99 | 1.37% |
| THE ROWLEY AGENCY3 Filed as: THE ROWLEY AGENCY INC | UNKNOWN BEDFORD, NH 03110 | HPHC INSURANCE COMPANY | $49 | $0 | $49 | 2.46% |
| THE ROWLEY AGENCY3 Filed as: THE ROWLEY AGENCY INC | UNKNOWN BEDFORD, NH 03110 | HPHC INSURANCE COMPANY | $25 | $0 | $25 | 1.25% |
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 | 121 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HARVARD PILGRIM HEALTH CARE OF NE INC - MA | 158 | $996K |
| Dental | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | 185 | $90K |
| Vision | RED TREE INSURANCE COMPANY, INC. | 117 | $7K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 121 | $33K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 121 | $33K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 121 | $33K |
| Prescription drug(2 contracts, 2 carriers) | HARVARD PILGRIM HEALTH CARE OF NE INC - MA | 158 | $996K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 121 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 185 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.