| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CRONIN GERVINO & WARLICK INC3 Filed as: CRONIN GERVINO & WARLICK, INC. | 5 DARTMOUTH DRIVE AUBURN, NH 03032 | ANTHEM HEALTH PLANS OF MAINE, INC. | $27K | $11K | $38K | 2.10% |
| CROSS INSURANCE3 Filed as: CROSS INSURANCE, INC. | 1100 ELM STREET MANCHESTER, NH 03101 | ANTHEM HEALTH PLANS OF MAINE, INC. | $7K | $0 | $7K | 0.40% |
| CRONIN GERVINO & WARLICK INC3 Filed as: CRONIN GERVINO & WARLICK, INC. | 5 DARTMOUTH DRIVE AUBURN, NH 03032 | STANDARD INSURANCE COMPANY | $18K | $0 | $18K | 10.50% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES, LLC | 2 DELTA DRIVE SUITE 301 CONCORD, NH 03302 | STANDARD INSURANCE COMPANY | $7K | $0 | $7K | 4.28% |
| CROSS INSURANCE3 Filed as: CROSS INSURANCE, INC. | 1100 ELM STREET MANCHESTER, NH 03101 | STANDARD INSURANCE COMPANY | $5K | $0 | $5K | 3.15% |
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 | 190 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 192 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF MAINE, INC. | 102 | $1.8M |
| Dental | STANDARD INSURANCE COMPANY | 196 | $168K |
| Vision | STANDARD INSURANCE COMPANY | 196 | $168K |
| Life insurance | STANDARD INSURANCE COMPANY | 196 | $168K |
| Short-term disability | STANDARD INSURANCE COMPANY | 196 | $168K |
| Prescription drug | ANTHEM HEALTH PLANS OF MAINE, INC. | 102 | $1.8M |
| Other | STANDARD INSURANCE COMPANY | 196 | $168K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 196 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.