| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NH AUTO DEALERS SERVICES INC.3 Filed as: NH AUTO DEALERS SERVICES INC | 507 SOUTH ST BOW, NH 03304 | HARVARD PILGRIM HEALTH CARE OF NE INC - MA | $16K | — | $16K | 3.00% |
| NH AUTO DEALERS SERVICES INC.3 Filed as: NH AUTO DEALERS SERVICES INC | 507 SOUTH ST BOW, NH 03304 | HARVARD PILGRIM HEALTH CARE OF NE INC - MA | $20K | — | $20K | 4.92% |
| NH AUTO DEALERS SERVICES INC.3 | 507 SOUTH ST BOW, NH 03304 | HARVARD PILGRIM HEALTH CARE OF NE INC-MA | $24K | — | $24K | 7.58% |
| NH AUTO DEALERS SERVICES INC.3 Filed as: NH AUTO DEALERS SERVICES INC | 507 SOUTH ST BOW, NH 03304 | HARVARD PILGRIM HEALTH CARE OF NE INC-MA | $17K | — | $17K | 7.31% |
| NH AUTO DEALERS SERVICES INC.3 Filed as: NH AUTO DEALERS SERVICES INC | 507 SOUTH ST BOW, NH 03304 | HARVARD PILGRIM HEALTH CARE OF NE INC - MA | $8K | — | $8K | 6.54% |
| NH AUTO DEALERS SERVICES INC.3 Filed as: NH AUTO DEALERS SERVICES INC | 507 SOUTH ST BOW, NH 03304 | HARVARD PILGRIM HEALTH CARE OF NE INC - MA | $7K | — | $7K | 6.53% |
| NH AUTO DEALERS SERVICES INC.3 Filed as: NH AUTO DEALERS SERVICES INC | 507 SOUTH ST BOW, NC 03304 | HARVARD PILGRIM HEALTH CARE OF NE INC - MA | $5K | — | $5K | 4.88% |
| NH AUTO DEALERS SERVICES INC.3 Filed as: NH AUTO DEALERS SERVICES INC | 507 SOUTH ST BOW, NH 03304 | HARVARD PILGRIM HEALTH CARE OF NE INC - MA | $3K | — | $3K | 4.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| NH AUTOMOBILE DEALERS SERVICES EIN 02-0328805 COMMON MANAGEMENT | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $240K |
| NHADA-WCT EIN 02-0328805 COMMON MANAGEMENT | Other services Service code 49 | — | $19K |
| WIPFLI LLP EIN 39-0758449 ACCOUNTING FIRM | Accounting (including auditing) Service code 10 | — | $10K |
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 | 1,131 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,131 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts) | HARVARD PILGRIM HEALTH CARE OF NE INC - MA | 96 | $1.8M |
| Other | HARVARD PILGRIM HEALTH CARE OF NE INC - MA | 11 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 96 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.