| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE ROWLEY AGENCY3 Filed as: THE ROWLEY AGENCY INC | 45 CONSTITUTION AVE CONCORD, NH 03301 | ANTHEM BLUE CROSS BLUE SHIELD | $8K | — | $8K | 2.34% |
| THE ROWLEY AGENCY3 Filed as: THE ROWLEY AGENCY INC | 45 CONSTITUTION AVE CONCORD, NH 03301 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $1K | $7K | 8.83% |
| THE ROWLEY AGENCY Filed as: THE ROWLEY AGENCY INC | 45 CONSTITUTION AVE CONCORD, NH 03301 | AMERITAS LIFE INSURANCE CORP. | $3K | — | $3K | 4.93% |
| THE ROWLEY AGENCY3 Filed as: THE ROWLEY AGENCY INC | 45 CONSTITUTION AVE CONCORD, NH 03301 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $318 | $3K | 19.96% |
| THE ROWLEY AGENCY3 Filed as: THE ROWLEY AGENCY INC | 45 CONSTITUTION AVE CONCORD, NH 03301 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $241 | $2K | 18.66% |
| THE ROWLEY AGENCY3 Filed as: THE ROWLEY AGENCY INC | 45 CONSTITUTION AVE CONCORD, NH 03302 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $167 | $2K | 17.26% |
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 | 174 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 174 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MATTHEW THORNTON HEALTH PLAN INC. | 70 | $647K |
| Dental | AMERITAS LIFE INSURANCE CORP. | 242 | $53K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 242 | $53K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 174 | $95K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 174 | $79K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 30 | $12K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 174 | $105K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 242 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.