Form 5500 · Employee benefit plan · CONCORD, NH
GRANITE BAY CARE, INC.
The filing calls this plan GRANITE BAY CARE, INC. WELFARE BENEFIT PLAN.
GRANITE BAY CARE, INC. of CONCORD, NH spreads its employee benefits across 5 insurance carriers, according to its Form 5500 Schedule A. Its broker of record is CLARK INSURANCE. Coverage is written through HPHC INSURANCE COMPANY and 4 other carriers. The plan's most recent policy period ended in February.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 11-3734348 · plan 501 · plan year 2024, filed Jul 31, 2025
Get an email when this employer files a new Form 5500, and again about four months before its plan renews.
4 other employer plans in New Hampshire have policy years ending in February. See the full list on the renewal calendar, or ask for it in Claude or ChatGPT.
How this plan is funded
Fully insured as reported
The filing reports medical coverage through an insurance contract on Schedule A, and no money paid for benefits by the plan itself.
Benefits declared on this filing
Life: the largest of the 2 insured life contracts, with COLONIAL LIFE & ACCIDENT INSURANCE COMPANY, covers 30 of 337 participants (8.9%) on Schedule A.
Also declared: other welfare.
Declared benefits are the plan’s own line 8b codes on Form 5500. “Not on Schedule A” means no insured contract for that line appears on this filing. That usually means the benefit is self-funded, or it sits under a different plan number.
Where a line has more than one insured contract, the carrier and the covered figure are the largest contract's by premium. The contracts are not added up: a pharmacy carve-out and the medical carrier beside it cover the same people.
Persons covered is the count the carrier filed for that policy at the end of its policy year, and it can include dependents. Participants is the plan's own count at the start of its plan year. The two count different people, so a covered figure can be larger.
Plan brief
Schedule A lists 12 insured contracts covering health, dental, vision, life and disability; the largest, with HPHC INSURANCE COMPANY, covers 159 people.
Reported premium across the insured contracts is $3,309,826, with $97,110 in disclosed broker commissions — about 2.9% of premium.
The health contract's policy period ended in February, while at least one ancillary line's policy period ended in March. The plan is on a split renewal cycle.
CLARK INSURANCE is the broker of record on 9 of the 12 contracts; the rest name a different broker or none.
5 carriers appear on the filing, including HPHC INSURANCE COMPANY, DELTA DENTAL PLAN OF MAINE, COLONIAL LIFE & ACCIDENT INSURANCE COMPANY and RED TREE INSURANCE COMPANY, INC.. HPHC INSURANCE COMPANY writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| HPHC INSURANCE COMPANY | Health | 159 | Feb 29, 2024 | $956,807 | $25,645 |
| HPHC INSURANCE COMPANY | Health | 125 | Feb 29, 2024 | $787,367 | $18,203 |
| HPHC INSURANCE COMPANY | Health | 85 | Feb 29, 2024 | $632,004 | $16,542 |
| COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | Life | 30 | Feb 29, 2024 | $27,956 | $10,163 |
| HPHC INSURANCE COMPANY | Health | 60 | Feb 29, 2024 | $418,084 | $9,498 |
| DELTA DENTAL PLAN OF MAINE | Dental | 597 | Apr 1, 2024 | $182,429 | $5,539 |
| RED TREE INSURANCE COMPANY, INC. | Vision | 477 | Apr 1, 2024 | $25,441 | $2,857 |
| UNUM LIFE INSURANCE COMPANY OF AMERICA | Life, Disability | 380 | Feb 29, 2024 | $17,800 | $2,111 |
| HPHC INSURANCE COMPANY | Health | 9 | Feb 29, 2024 | $71,864 | $1,997 |
| HPHC INSURANCE COMPANY | Health | 10 | Feb 29, 2024 | $76,654 | $1,730 |
| HPHC INSURANCE COMPANY | Health | 13 | Feb 29, 2024 | $65,533 | $1,566 |
| HPHC INSURANCE COMPANY | Health | 7 | Feb 29, 2024 | $47,887 | $1,259 |
Covered = persons covered at policy year end, as filed on Schedule A for that policy — often certificates or one class, not the whole plan. Premium = the filing’s own premium/charges figure; “—” means not credibly reported.
Administrator and service providers
The plan administrator is from line 3a of the main form. We publish company names only.
Reported to OSHA
Reported to OSHA for 2025: 1,646 employees, 22 recordable cases, 212 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
Other plans filed by this employer
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