| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GRANITE GROUP BENEFITS, LLC3 | 1001 ELM STREET, SUITE 301 MANCHESTER, NH 03101 | HARVARD PILGRIM HEALTH CARE OF NE INC. - MA | $76K | $25K | $101K | 2.24% |
| GRANITE GROUP BENEFITS, LLC3 | 1001 ELM STREET, SUITE 301 MANCHESTER, NH 03101 | SUN LIFE ASSURANCE COMPANY OF CANADA | $15K | $0 | $15K | 6.77% |
| GCG FINANCIAL LLC3 Filed as: GRANITE GROUP BENEFITS, AN ALERA GR | 1001 ELM STREET, SUITE 301 MANCHESTER, NH 03101 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | $0 | $2K | 1.02% |
| GRANITE GROUP BENEFITS, LLC3 | 1001 ELM STREET, SUITE 301 MANCHESTER, NH 03101 | RED TREE INSURANCE COMPANY, INC. | $2K | $0 | $2K | 10.80% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES LLC DBA CSONE | PO BOX 1320 CONCORD, NH 033021320 | RED TREE INSURANCE COMPANY, INC. | $359 | $0 | $359 | 1.62% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DELTA DENTAL PLAN OF NEW HAMPSHIRE EIN 02-0273013 DENTAL CLAIMS PROCESSING | Claims processing Service code 12 | — | $31K |
| GRANITE GROUP BENEFITS, AN ALERA GR EIN 85-3787459 BROKER | Insurance agents and brokers Service code 22 | — | $10K |
| COMBINED SERVICES, LLC DBA CSONE EIN 02-0479434 BROKER | Insurance agents and brokers Service code 22 | — | $323 |
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 | 466 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 468 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HARVARD PILGRIM HEALTH CARE OF NE INC. - MA | 592 | $4.5M |
| Vision | RED TREE INSURANCE COMPANY, INC. | 320 | $22K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 466 | $219K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 466 | $219K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 466 | $219K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 466 | $219K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 592 | — |
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.