| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HP PLANNING LLC3 Filed as: HP PLANNING | 535 CONNECTICUT AVE SUITE 502 NORWALK, CT 06854 | SUN LIFE ASSURANCE COMPANY OF CANADA | $24K | $0 | $24K | 7.15% |
| GCG FINANCIAL LLC3 Filed as: DBL GENERAL AGENCY | 155 PINELAWN ROAD SUITE 1205 MELVILLE, NY 11747 | SUN LIFE ASSURANCE COMPANY OF CANADA | $19K | $0 | $19K | 5.67% |
| GRANITE GROUP BENEFITS, LLC3 Filed as: GRANITE GROUP BENEFITS | 1001 ELM STREET STE 301 MANCHESTER, NH 03101 | RED TREE INSURANCE COMPANY, INC. | $4K | $0 | $4K | 10.85% |
| COMBINED SERVICES LLC3 | PO BOC 1320 CONCORD, NH 033021320 | RED TREE INSURANCE COMPANY, INC. | $585 | $0 | $585 | 1.81% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| GRANITE GROUP BENEFITS EIN 85-3787459 BROKER | Insurance agents and brokers Service code 22 | — | $82K |
| THE BENECON GROUP EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $55K |
| DELTA DENTAL OF NEW HAMPSHIRE INC EIN 02-0273013 ADMIN | Claims processing Service code 12 | — | $47K |
| CONNECTCARE3 EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $18K |
| GRANITE GROUP BENEFITS AN ALERA GRO EIN 85-3787459 BROKER | Insurance agents and brokers Service code 22 | — | $13K |
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 | 542 | 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) | 542 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | RED TREE INSURANCE COMPANY, INC. | 473 | $32K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 542 | $330K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 542 | $330K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 339 | $583K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 542 | $330K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 542 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.