| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | ANTHEM HEALTH PLANS OF NEW HAMPSHIRE, INC. | $132K | $2K | $134K | 2.19% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | HARTFORD LIFE AND ACCIDENT | $23K | — | $23K | 17.06% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $2K | $14K | 11.32% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16K | $2K | $18K | 17.00% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $21K | $2K | $23K | 21.34% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $22K | $2K | $23K | 24.14% |
| LOCKTON COMPANIES, LLC3 | 4725 PIEDMONT ROW DRIVE, SUITE 510 CHARLOTTE, NC 28210 | RED TREE INSURANCE COMPANY, INC. | $6K | — | $6K | 9.93% |
| COMBINED SERVICES LLC3 | PO BOX 1320 CONCORD, NH 03302 | RED TREE INSURANCE COMPANY, INC. | $840 | — | $840 | 1.49% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $711 | $8K | 18.32% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METLIFE LEGAL PLANS | $4K | $722 | $4K | 10.41% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $747 | $4K | 11.89% |
| RUBEN WARNER ASSOCIATES, INC. | 300 CONNELL DRIVE, SUITE 1100 BERKELEY HEIGHTS, NJ 07922 | HARTFORD LIFE AND ACCIDENT | $87 | $19 | $106 | 12.16% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ISOLVED BENEFIT SERVICES ADMINISTRATOR | Contract Administrator Service code 13 | PO BOX 889 COLDWATER, MI 49036 | $40K |
| ANTHEM BLUE CROSS AND BLUE SHIELD EIN 02-0510530 ADMINISTRATOR | Contract Administrator Service code 13 | — | $9K |
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 | 1,254 | 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) | 1,254 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | ANTHEM HEALTH PLANS OF NEW HAMPSHIRE, INC. | 1,431 | $7.6M |
| Dental | ANTHEM HEALTH PLANS OF NEW HAMPSHIRE, INC. | 1,431 | $6.1M |
| Vision(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF NEW HAMPSHIRE, INC. | 1,431 | $6.2M |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,577 | $171K |
| Short-term disability(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,577 | $242K |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,577 | $171K |
| Other(5 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 1,577 | $434K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,577 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.