| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EBS INSURANCE BROKERS3 | 1 GATEWAY CTR STE 650 NEWTON, MA 02493 | MATTHEW THORNTON HEALTH PLAN, INC. | $173K | — | $173K | 2.12% |
| EBS INSURANCE BROKERS3 Filed as: EBS INSURANCE BROKERS INC | 1 GATEWAY CTR STE 650 NEWTON, MA 02458 | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | $10K | — | $10K | 2.15% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES LLC DBA CSONE BEN | PO BOX 1320 CONCORD, NH 03302 | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | $199 | — | $199 | 0.04% |
| EBS INSURANCE BROKERS3 Filed as: EBS INSURANCE BROKERS INC | 1 GATEWAY CTR STE 650 NEWTON, MA 02458 | SUN LIFE ASSURANCE COMPANY OF CANADA | $10K | — | $10K | 2.20% |
| EBS INSURANCE BROKERS3 | 1 GATEWAY CTR STE 650 NEWTON, MA 02458 | VISION SERVICE PLAN | $2K | — | $2K | 2.57% |
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 | 1,650 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,661 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MATTHEW THORNTON HEALTH PLAN, INC. | 1,130 | $8.2M |
| Dental | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | 868 | $469K |
| Vision | VISION SERVICE PLAN | 768 | $92K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,944 | $464K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,944 | $464K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,944 | $464K |
| Prescription drug | MATTHEW THORNTON HEALTH PLAN, INC. | 1,130 | $8.2M |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,944 | $464K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,944 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.