| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: GRANITE GROUP BENEFITS AN ALERA | 1001 ELM STREET, SUITE 301 MANCHESTER, NH 03101 | MATTHEW THORNTON HEALTH PLAN, INC. | $52K | $9K | $61K | 2.97% |
| GCG FINANCIAL LLC3 Filed as: GRANITE GROUP BENEFITS AN ALERA | 1001 ELM STREET, SUITE 301 MANCHESTER, NH 03101 | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | $6K | $0 | $6K | 4.73% |
| GCG FINANCIAL LLC3 Filed as: GRANITE GROUP BENEFITS AN ALERA | 1001 ELM STREET, SUITE 301 MANCHESTER, NH 03101 | ANTHEM LIFE INSURANCE COMPANY | $15K | $0 | $15K | 11.08% |
| GCG FINANCIAL LLC3 Filed as: GRANITE GROUP BENEFITS, AN ALERA | 1001 ELM STREET, SUITE 301 MANCHESTER, NH 03101 | RED TREE INSURANCE COMPANY, INC. | $1K | — | $1K | 9.91% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES, LLC | PO BOX 1320 CONCORD, NH 033021320 | RED TREE INSURANCE COMPANY, INC. | $152 | — | $152 | 1.49% |
| GCG FINANCIAL LLC3 Filed as: GRANITE GROUP BENEFITS AN ALERA | 1001 ELM STREET, SUITE 301 MANCHESTER, NH 03101 | RED TREE INSURANCE COMPANY, INC. | $327 | $0 | $327 | 9.72% |
| COMBINED SERVICES LLC3 | PO BOX 1320 CONCORD, NH 033021320 | RED TREE INSURANCE COMPANY, INC. | $49 | $0 | $49 | 1.46% |
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 | 192 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 195 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MATTHEW THORNTON HEALTH PLAN, INC. | 433 | $2.1M |
| Dental | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | 154 | $134K |
| Vision(3 contracts, 2 carriers) | MATTHEW THORNTON HEALTH PLAN, INC. | 433 | $2.1M |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 192 | $131K |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY | 192 | $131K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 192 | $131K |
| Other | ANTHEM LIFE INSURANCE COMPANY | 192 | $131K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 433 | — |
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.