| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE ROWLEY AGENCY3 Filed as: THE ROWLEY AGENCY INC | 45 CONSTITUTION AVE CONCORD, NH 03301 | HARVARD PILGRIM HEALTH CARE OF NE INC - MA | $22K | $0 | $22K | 2.99% |
| THE ROWLEY AGENCY3 | 45 CONSTITUTION AVE CONCORD, NH 03301 | HPHC INSURANCE COMPANY | $12K | $0 | $12K | 3.04% |
| THE ROWLEY AGENCY3 Filed as: THE ROWLEY AGENCY INC | 45 CONSTITUTION AVE CONCORD, NH 03302 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $647 | $6K | 8.39% |
| THE ROWLEY AGENCY3 Filed as: THE ROWLEY AGENCY INC | 45 CONSTITUTION AVE CONCORD, NH 03301 | AMERITAS LIFE INSURANCE CORP | $3K | $0 | $3K | 4.08% |
| THE ROWLEY AGENCY3 Filed as: THE ROWLEY AGENCY INC | 45 CONSTITUTION AVE CONCORD, NH 03302 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $148 | $3K | 17.07% |
| THE ROWLEY AGENCY3 Filed as: THE ROWLEY AGENCY INC | 45 CONSTITUTION AVE CONCORD, NH 03302 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $104 | $2K | 17.11% |
| THE ROWLEY AGENCY3 Filed as: THE ROWLEY AGENCY INC | 45 CONSTITUTION AVE CONCORD, NH 03302 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $701 | $61 | $762 | 72.57% |
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 | 194 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 194 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HARVARD PILGRIM HEALTH CARE OF NE INC - MA | 165 | $1.2M |
| Dental | AMERITAS LIFE INSURANCE CORP | 261 | $69K |
| Vision | AMERITAS LIFE INSURANCE CORP | 261 | $69K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 41 | $16K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 194 | $72K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 28 | $11K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 194 | $90K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 261 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.