| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 323 WEST LAKESIDE AVENUE, SUITE 410 CLEVELAND, OH 44113 | MATTHEW THORNTON HEALTH PLAN, INC. | $114K | $0 | $114K | 3.16% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 5205 MARYLAND WAY, SUITE 300 BRENTWOOD, TN 37027 | PRUDENTIAL INSURANCE COMPANY | $24K | $0 | $24K | 15.59% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 323 WEST LAKESIDE AVENUE, SUITE 410 CLEVELAND, OH 44113 | ANTHEM HEALTH PLANS OF NEW HAMPSHIRE, INC. | $3K | $0 | $3K | 3.16% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | RED TREE INSURANCE COMPANY, INC. | $4K | $0 | $4K | 9.77% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES, LLC | PO BOX 1320 CONCORD, NH 03302 | RED TREE INSURANCE COMPANY, INC. | $542 | $0 | $542 | 1.46% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 8 CADILLAC DRIVE, SUITE 200 BRENTWOOD, TN 37027 | BANKERS FIDELITY INSURANCE COMPANY | $3K | $0 | $3K | 9.27% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 8 CADILLAC DRIVE BRENTWOOD, TN 37027 | ARAG SERVICES, LLC | $918 | $0 | $918 | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009, SUITE 300 ARLINGTON HEIGHTS, IL 60006 | AFLAC | $403 | $0 | $403 | 13.60% |
| JAIME HUTTON3 Filed as: JAIME M. HUTTON | 1893 HIGHWAY 25 GALLATIN, TN 37066 | AFLAC | $125 | $87 | $212 | 7.15% |
| PASCHE JADE SIMMONS3 | 2966 CLAYLICK ROAD WHITES CREEK, TN 37189 | AFLAC | $140 | $0 | $140 | 4.72% |
| JORDAN S SMITH3 Filed as: JORDAN S. SMITH | 6669 ARNO ALLISONA ROAD COLLEGE GROVE, TN 37046 | AFLAC | $19 | $0 | $19 | 0.64% |
| AMIE VIOLETTE SHURMAN3 | 566 EIGHT ROD ROAD AUGUSTA, ME 04330 | AFLAC | $9 | $0 | $9 | 0.30% |
| MICHAEL J. KEANEY AND OTHER AGENTS3 | PO BOX 1451 AUBURN, ME 04211 | AFLAC | $4 | $0 | $4 | 0.13% |
| SCOTT A HOWARD3 Filed as: SCOTT A. HOWARD | 488 FALMOUTH ROAD WINDHAM, ME 04062 | AFLAC | $3 | $0 | $3 | 0.10% |
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 | 692 | 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) | 692 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | MATTHEW THORNTON HEALTH PLAN, INC. | 704 | $3.7M |
| Vision(2 contracts, 2 carriers) | MATTHEW THORNTON HEALTH PLAN, INC. | 708 | $3.7M |
| Life insurance(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY | 692 | $188K |
| Short-term disability | AFLAC | 1 | $3K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY | 692 | $157K |
| Prescription drug(2 contracts, 2 carriers) | MATTHEW THORNTON HEALTH PLAN, INC. | 704 | $3.7M |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY | 692 | $166K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 708 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.