| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JENNIFER L HENRY3 Filed as: JENNIFER MCCURRY | 5 DARTMOUTH DRIVE AUBURN, NH 03032 | COMMUNITY HEALTH OPTIONS | $34K | $0 | $34K | 2.72% |
| CRONIN GERVINO & WARLICK INC3 | 171 LONDONDERRY TURNPIKE, UNIT 3 HOOKSETT, NH 03103 | STANDARD INSURANCE COMPANY | $15K | $5K | $20K | 14.52% |
| CRONIN GERVINO & WARLICK INC3 | 5 DARTMOUTH DRIVE AUBURN, NH 03032 | STANDARD INSURANCE COMPANY | $4K | $2K | $6K | 4.42% |
| COMBINED SERVICES LLC3 | PO BOX 10180 PORTLAND, ME 04104 | STANDARD INSURANCE COMPANY | $5K | $0 | $5K | 3.77% |
| COMBINED SERVICES LLC3 | PO BOX 1320 CONCORD, NH 03302 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 1.38% |
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 | 152 | 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) | 152 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY HEALTH OPTIONS | 177 | $1.2M |
| Dental | STANDARD INSURANCE COMPANY | 198 | $141K |
| Vision | STANDARD INSURANCE COMPANY | 198 | $141K |
| Life insurance | STANDARD INSURANCE COMPANY | 198 | $141K |
| Short-term disability | STANDARD INSURANCE COMPANY | 198 | $141K |
| Prescription drug | COMMUNITY HEALTH OPTIONS | 177 | $1.2M |
| Other | STANDARD INSURANCE COMPANY | 198 | $141K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 198 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.