New Hampshire Bankers Association Insurance Trust
Updated Filing received by DOL
New Hampshire Bankers Association Insurance Trust, a finance & insurance employer in Concord, New Hampshire, reported 502 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows $835,850 in insurance premiums across 4 contracts and $128,771 in broker commissions and fees. The plan is self-funded (the employer pays claims itself, with stop-loss coverage from Symetra Life Insurance Company). The Department of Labor received the filing on June 1, 2026, before the deadline.
Who was paid on New Hampshire Bankers Association Insurance Trust's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract New Hampshire Bankers Association Insurance Trust filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Richards Incorporated · Brattleboro, VT | $0 | $75,854 | $75,854 | 2 |
| New Hampshire Bankers Services, LLC · Concord, NH | $38,999 | $0 | $38,999 | 3 |
| United Benefit Advisors, LLC · Chicago, IL | $0 | $13,918 | $13,918 | 1 |
Source: DOL Form 5500 Schedule A, Part I (broker commissions and fees), plan year 2025, as published in EBSA's 2025 "Latest" dataset. Part I names whoever the carrier paid, which can be a firm or an individual agent; both are public record. Amounts exclude pay from carriers not tied to a listed contract.
Insurance contracts and carriers
Every insurance contract reported on Schedule A: carrier, what it covers, people covered at year end, earned premium, and broker compensation.
| Carrier · coverage | Covered | Premium | Broker pay | Rate |
|---|---|---|---|---|
| Delta Dental Plan of New Hampshire, Inc.dental | 1,487 | $835,850 | $6,245 | 0.7% |
| Symetra Life Insurance Companystop-loss | 516 | — | $75,540 | — |
| Anthem Health Plans of New Hampshire, Inc.vision | 1,187 | — | $7,720 | — |
| Symetra Life Insurance Companylife, short-term disability, long-term disability | 442 | — | $39,266 | — |
Source: DOL Form 5500 Schedule A, plan year 2025. Self-funded medical coverage has no premium; amounts shown for it are stop-loss or administrative contracts.
How New Hampshire Bankers Association Insurance Trust compares
Medians across employers for plan year 2024, the most recent complete year. Commission rates use fully insured medical contracts only; dollar medians use every employer that disclosed broker pay.
Not computable: no insured medical premium on the filing.
Source: BenefitsLedger benchmarks from 58,547 employer health plans with 100 or more participants, plan year 2024. Methodology.
Year over year
| 2024 | 2025 | Change | |
|---|---|---|---|
| Participants | 536 | 502 | −6.3% |
| Premiums filed | $782,954 | $835,850 | +6.8% |
| Broker commissions + fees | $116,013 | $128,771 | +11.0% |
| Commission rate | — | — | — |
Source: DOL Form 5500 filings for plan years 2024 and 2025.
Filings and timeliness
Plans this employer filed under its EIN with a health benefit code. Large plans are due seven months after the plan year ends, or two and a half months later with an extension; amended filings carry the amendment date, so no timing is asserted for them.
| Plan | Plan year end | Received by DOL | Timing | Participants |
|---|---|---|---|---|
| New Hampshire Bankers Association Insurance Trust#501 · insurance, general assets, trust | December 31, 2025 | June 1, 2026 | before deadline | 502 |
Source: DOL Form 5500 Part I and signature dates; "late" means received after the extended deadline (the 15th day of the tenth month after plan year end). What a late Form 5500 costs.
How much did New Hampshire Bankers Association Insurance Trust pay in health insurance broker commissions in 2025?
New Hampshire Bankers Association Insurance Trust's 2025 Form 5500 reports $128,771 in broker commissions and fees across 4 insurance contracts ($38,999 in commissions, $89,772 in fees), with Richards Incorporated receiving the largest share.
Is New Hampshire Bankers Association Insurance Trust's health plan self-funded or fully insured?
The 2025 filing indicates the plan is self-funded (the employer pays claims itself, with stop-loss coverage from Symetra Life Insurance Company).
How does New Hampshire Bankers Association Insurance Trust's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for New Hampshire Bankers Association Insurance Trust because the filing does not report medical premium on Schedule A (usual for self-funded plans). In dollars, employers with 500-999 participants that disclosed broker pay reported a median of $104,902.
Send the full findings to your inbox.
A specialist writes up every finding for New Hampshire Bankers Association Insurance Trust with the methodology and public-source citations, in a form you can forward to your CFO or counsel. Tick the box if you also want a 15-minute walkthrough call.
We don't sell your email. By submitting, you agree that BenefitsLedger and its benefits advisory partner, WellthCare, may email or call you about these findings. Opt out anytime by replying. See our privacy policy.
Record built October 24, 2026 from U.S. Department of Labor, EBSA Form 5500 datasets (2025, 2024, 2023 plan years, 'Latest' files). Filings can run 7 to 10 months behind the plan year; always confirm against current plan documents. BenefitsLedger is not affiliated with the U.S. Department of Labor. Open the DOL filing search.