| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NEW ENGLAND EMPLOYEE BENEFITS CO3 | 15 CHENELL DR CONCORD, NH 033011320 | HARVARD PILGRIM HEALTH CARE OF NE INC - MA | $71K | $0 | $71K | 1.70% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 | 15 CHENELL DR CONCORD, NH 033011320 | HARVARD PILGRIM HEALTH CARE OF NE INC - MA | $4K | $0 | $4K | 0.10% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 | 15 CHENELL DR CONCORD, NH 03301 | HARVARD PILGRIM HEALTH CARE OF NE INC - MA | $10K | $0 | $10K | 1.79% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 | 15 CHENELL DR CONCORD, NH 03301 | HARVARD PILGRIM HEALTH CARE OF NE INC - MA | $622 | $0 | $622 | 0.11% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 | 15 CHENELL DR CONCORD, NH 03301 | HARVARD PILGRIM HEALTH CARE OF NE INC - MA | $4K | $0 | $4K | 1.57% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 | 15 CHENELL DR CONCORD, NH 03301 | HARVARD PILGRIM HEALTH CARE OF NE INC - MA | $255 | $0 | $255 | 0.09% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC DBA NEEBCO | 15 CHENELL DR CONCORD, NH 03301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $9K | $15K | 9.49% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $4K | $4K | 2.88% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC DBA NEEBCO | 15 CHENELL DR CONCORD, NH 03301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $7K | $17K | 14.40% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $4K | $4K | 3.01% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC DBA NEEBCO | 15 CHENELL DR CONCORD, NH 03301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $6K | $11K | 10.89% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 2.91% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC DBA NEEBCO | 15 CHENELL DR CONCORD, NH 03301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $5K | 14.94% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 2.93% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 | 15 CHENELL DR CONCORD, NH 033021320 | RED TREE INSURANCE COMPANY, INC. | $3K | $0 | $3K | 9.80% |
| COMBINED SERVICES LLC3 | PO BOX 1320 CONCORD, NH 033021320 | RED TREE INSURANCE COMPANY, INC. | $474 | $0 | $474 | 1.47% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 | 15 CHENELL DR CONCORD, NH 033011320 | HARVARD PILGRIM HEALTH CARE OF NE INC - MA | $145 | $0 | $145 | 1.02% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 | 15 CHENELL DR CONCORD, NH 033011320 | HARVARD PILGRIM HEALTH CARE OF NE INC - MA | $9 | $0 | $9 | 0.06% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 | 15 CHENELL DR CONCORD, NH 033011320 | HARVARD PILGRIM HEALTH CARE OF NE INC - MA | $319 | $0 | $319 | 3.23% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 | 15 CHENELL DR CONCORD, NH 033011320 | HARVARD PILGRIM HEALTH CARE OF NE INC - MA | $19 | $0 | $19 | 0.19% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 | 15 CHENELL DR CONCORD, NH 03301 | HARVARD PILGRIM HEALTH CARE OF NE INC - MA | $40 | $0 | $40 | 4.00% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 | 15 CHENELL DR CONCORD, NH 03301 | HARVARD PILGRIM HEALTH CARE OF NE INC - MA | $2 | $0 | $2 | 0.20% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 | 15 CHENELL DR CONCORD, NH 03301 | HARVARD PILGRIM HEALTH CARE OF NE INC - MA | $14 | $0 | $14 | — |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 | 15 CHENELL DR CONCORD, NH 03301 | HARVARD PILGRIM HEALTH CARE OF NE INC - MA | $1 | $0 | $1 | — |
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 | 386 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 388 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(8 contracts) | HARVARD PILGRIM HEALTH CARE OF NE INC - MA | 406 | $5.1M |
| Vision | RED TREE INSURANCE COMPANY, INC. | 394 | $32K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 386 | $37K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 378 | $156K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 378 | $98K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 386 | $158K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 406 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.