| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CLARK HOUX3 | 15 CHENELL DRIVE CONCORD, NH 03301 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | — | $41K | $41K | 2.83% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 | 15 CHENELL DRIVE CONCORD, NH 03301 | AMERITAS LIFE INSURANCE CORP. | $3K | $2K | $6K | 5.61% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 | 15 CHENELL DRIVE CONCORD, NH 03301 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 | 15 CHENELL DRIVE CONCORD, NH 03301 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 13.43% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 | 15 CHENELL DRIVE CONCORD, NH 03301 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $286 | $2K | 11.68% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 | 15 CHENELL DRIVE CONCORD, NH 03301 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
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 | 171 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 172 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 286 | $1.4M |
| Dental | AMERITAS LIFE INSURANCE CORP. | 332 | $101K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 332 | $101K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 283 | $28K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 71 | $30K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 56 | $20K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 283 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 332 | — |
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.