| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE ROWLEY AGENCY3 Filed as: THE ROWLEY AGENCY LLC | PO BOX 511 CONCORD, NH 03302 | SUN LIFE ASSURANCE COMPANY OF CANADA | $117K | $0 | $117K | 9.67% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | SUN LIFE ASSURANCE COMPANY OF CANADA | $12K | $0 | $12K | 1.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | THE GUARDIAN LIFE INSURANCECOMPANY OF AMERICA | $21K | $0 | $21K | 10.40% |
| THE ROWLEY AGENCY3 Filed as: THE ROWLEY AGENCY LLC | 45 CONSTITUTION AVE CONCORD, NH 03302 | THE GUARDIAN LIFE INSURANCECOMPANY OF AMERICA | $11K | $5K | $17K | 8.01% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICE LIMITED LIABILTIY | 15 NORTH MAIN STREET STE 300 CONCORD, NH 03301 | THE GUARDIAN LIFE INSURANCECOMPANY OF AMERICA | $8K | $0 | $8K | 4.05% |
| THE ROWLEY AGENCY3 Filed as: THE ROWLEY AGENCY LLC | 45 CONSTITUION AVE CONCORD, NH 03301 | AMERITAS LIFE INSURANCE CORP | $3K | $481 | $4K | 2.54% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE FORT LAUDERDALE, FL 33334 | AMERITAS LIFE INSURANCE CORP | $470 | $0 | $470 | 0.31% |
| THE ROWLEY AGENCY3 Filed as: THE ROWLEY AGENCY LLC | 45 CONSTITUTION AVE PO BOX 511 CONCORD, NH 03302 | RED TREE INSURANCE COMPANY, INC | $2K | $0 | $2K | 8.22% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | RED TREE INSURANCE COMPANY, INC | $373 | $0 | $373 | 1.71% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICE LIMITED LIABILTIY | BENEFIT SOLUTIONS PO BOX 1320 CONCORD, NH 03302 | RED TREE INSURANCE COMPANY, INC | $325 | $0 | $325 | 1.49% |
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 | 342 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 342 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP | 455 | $151K |
| Vision(2 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORP | 455 | $173K |
| Life insurance | THE GUARDIAN LIFE INSURANCECOMPANY OF AMERICA | 342 | $206K |
| Short-term disability | THE GUARDIAN LIFE INSURANCECOMPANY OF AMERICA | 342 | $206K |
| Long-term disability | THE GUARDIAN LIFE INSURANCECOMPANY OF AMERICA | 342 | $206K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 226 | $1.2M |
| Other | THE GUARDIAN LIFE INSURANCECOMPANY OF AMERICA | 342 | $206K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 455 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.