| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHANDOR INSURANCE AGENCY LLC3 | 177 MILK STREET 3RD FLOOR BOSTON, MA 02109 | ANTHEM HEALTH PLANS OF NEW HAMPSHIRE, INC. | $164K | — | $164K | 1.19% |
| CHANDOR INSURANCE AGENCY LLC3 | 177 MILK STREET 3RD FLOOR BOSTON, MA 02109 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $16K | $22K | 4.82% |
| CHANDOR INSURANCE AGENCY LLC3 | 177 MILK STREET 3RD FLOOR BOSTON, MA 02109 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | — | $10K | 10.00% |
| CHANDOR INSURANCE AGENCY LLC3 | 177 MILK STREET 3RD FLOOR BOSTON, MA 02109 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $622 | $2K | 13.84% |
| CHANDOR INSURANCE AGENCY LLC3 Filed as: CHANDOR INSURANCE AGENCY | 177 MILK STREET 3RD FLOOR BOSTON, MA 02109 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 13.00% |
| BULFINCH GROUP INSURANCE AGY3 | 160 GOULD STREET #310 NEEDHAM, MA 02494 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9 | — | $9 | 0.06% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS INC OF | TWO PIERCE PLACE 11TH FLOOR ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 10.19% |
| IRONWOOD BENEFITS ADVISORY SERVICES3 Filed as: IRONWOOD BENEFITS ADVISORY SER | 4401 NORTHSIDE PARKWAY SUITE 800 ATLANTA, GA 30327 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $717 | — | $717 | 5.28% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 W GOLF RD 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $115 | $115 | 0.85% |
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 | 1,052 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 18 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,070 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF NEW HAMPSHIRE, INC. | 1,759 | $13.9M |
| Dental | ANTHEM HEALTH PLANS OF NEW HAMPSHIRE, INC. | 1,759 | $13.9M |
| Vision | ANTHEM HEALTH PLANS OF NEW HAMPSHIRE, INC. | 1,759 | $13.9M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,052 | $456K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 30 | $14K |
| Long-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 588 | $117K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 981 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,759 | — |
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.