| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CGI EMPLOYEE BENEFITS GROUP3 Filed as: CGI BUSINESS SOLUTIONS | 5 DARTMOUTH DRIVE AUBURN, NH 03032 | HARVARD PILGRIM HEALTH CARE OF NE INC - MA | $213K | $0 | $213K | 3.84% |
| CRONIN GERVINO & WARLICK INC3 Filed as: CRONIN & GERVINO & WARLICK INC. | 5 DARTMOUTH DRIVE, SUITE 101 AUBURN, NH 03032 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $41K | $9K | $50K | 13.52% |
| CGI EMPLOYEE BENEFITS GROUP3 Filed as: CGI EMPLOYEE BENEFITS | 5 DARTMOUTH DRIVE AUBURN, NH 03032 | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | $15K | $0 | $15K | 4.38% |
| COMBINED SERVICES LLC3 | PO BOX 1320 CONCORD, NH 03302 | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | $2K | $0 | $2K | 0.72% |
| CRONIN GERVINO & WARLICK INC3 Filed as: CRONIN GERVINO AND WARLICK INC. | 5 DARTMOUTH DRIVE AUBURN, NH 03032 | VISION SERVICE PLAN | $2K | $0 | $2K | 2.89% |
| CRONIN GERVINO & WARLICK INC3 Filed as: CRONIN GERVINO AND WARLICK INC. | 171 LONDONDERRY TURNPIKE HOOKSETT, NH 03106 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9K | $0 | $9K | 21.77% |
| CRONIN GERVINO & WARLICK INC3 Filed as: CRONIN AND GERVINO INSURANCE | 5 DARTMOUTH DRIVE AUBURN, NH 03032 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $182 | — | $182 | 8.08% |
| CRONIN GERVINO & WARLICK INC3 Filed as: CRONIN AND GERVINO INSURANCE | 171 LONDONDERRY TURNPIKE HOOKSETT, NH 03106 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $141 | $0 | $141 | 6.26% |
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 | 362 | 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) | 364 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HARVARD PILGRIM HEALTH CARE OF NE INC - MA | 714 | $5.6M |
| Dental | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | 663 | $333K |
| Vision | VISION SERVICE PLAN | 279 | $80K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 470 | $368K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 470 | $368K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 470 | $368K |
| Prescription drug | HARVARD PILGRIM HEALTH CARE OF NE INC - MA | 714 | $5.6M |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 470 | $410K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 714 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.