| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EASTERN BENEFITS GROUP3 | 100 QUANNAPOWITT PARKWAY, SUITE 400 WAKEFIELD, MA 01880 | HPHC INSURANCE COMPANY | $36K | $0 | $36K | 2.28% |
| EASTERN BENEFITS GROUP3 | 100 QUANNAPOWITT PARKWAY, SUITE 400 WAKEFIELD, MA 01880 | HARVARD PILGRIM HEALTH CARE OF NE, INC. | $21K | $0 | $21K | 2.28% |
| EASTERN BENEFITS GROUP3 | 100 QUANNAPOWITT PARKWAY, SUITE 400 WAKEFIELD, MA 01880 | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | $8K | $0 | $8K | 4.87% |
| COMBINED SERVICES LLC3 | PO BOX 1320 CONCORD, NH 03302 | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | $2K | $0 | $2K | 1.16% |
| EASTERN BENEFITS GROUP3 | 100 QUANNAPOWITT PARKWAY, SUITE 400 WAKEFIELD, MA 01880 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $18K | $4K | $23K | 15.95% |
| EASTERN BENEFITS GROUP3 | 100 QUANNAPOWITT PARKWAY, SUITE 400 WAKEFIELD, MA 01880 | RED TREE INSURANCE COMPANY, INC. | $1K | $0 | $1K | 9.85% |
| COMBINED SERVICES LLC3 | PO BOX 1320 CONCORD, NH 03302 | RED TREE INSURANCE COMPANY, INC. | $212 | $0 | $212 | 1.48% |
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 | 108 | 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) | 108 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HPHC INSURANCE COMPANY | 132 | $2.5M |
| Dental | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | 199 | $157K |
| Vision | RED TREE INSURANCE COMPANY, INC. | 166 | $14K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 108 | $143K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 108 | $143K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 108 | $143K |
| Prescription drug(2 contracts, 2 carriers) | HPHC INSURANCE COMPANY | 132 | $2.5M |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 108 | $143K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 199 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.