| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE ROWLEY AGENCY3 | PO BOX 511 CONCORD, NH 03301 | GUARDIAN | $17K | $1K | $18K | 8.62% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES LLC DBA CSONE BEN | 15 NORTH MAIN ST STE 300 CONCORD, NH 03301 | GUARDIAN | $11K | $0 | $11K | 5.00% |
| THE ROWLEY AGENCY3 | 45 CONSTITUTION AVE CONCORD, NH 03301 | AMERITAS | $4K | $671 | $4K | 3.02% |
| THE ROWLEY AGENCY3 | 45 CONSTITUTION AVE PO BOX 511 CONCORD, NH 03302 | RED TREE INSURANCE COMPANY INC | $2K | $0 | $2K | 9.88% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES LLC DBA CSONE BEN | PO BOX 1320 CONCORD, NH 03302 | RED TREE INSURANCE COMPANY INC | $306 | $0 | $306 | 1.48% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SUN LIFE FINANCIAL EIN 04-3401285 ADMINISTRATORS | Contract Administrator Service code 13 | — | $878K |
| THE ROWLEY AGENCY EIN 02-0270657 ADMINISTRATOR | Contract Administrator Service code 13 | 45 CONSTITUTION AVENUE CONCORD, NH 03301 | $122K |
| SISCO EIN 42-1144827 ADMINISTRATORS | Contract Administrator Service code 13 | — | $77K |
| CIGNA EIN 84-0467907 ADMINISTRATORS | Contract Administrator Service code 13 | — | $35K |
| COMBINED SERVICES DBA CSONE BENEFIT ADMINISTRATOR | Contract Administrator Service code 13 | 15 MAIN ST STE 300 CONCORD, NH 03301 | $11K |
| TELADOC HEALTH EIN 04-3750597 ADMINISTRATORS | Contract Administrator Service code 13 | — | $4K |
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 | 442 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 11 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 458 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS | 442 | $148K |
| Vision(2 contracts, 2 carriers) | AMERITAS | 442 | $169K |
| Life insurance | GUARDIAN | 305 | $211K |
| Short-term disability | GUARDIAN | 305 | $211K |
| Long-term disability | GUARDIAN | 305 | $211K |
| Other | GUARDIAN | 305 | $211K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 442 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.