| 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 | HARVARD PILGRIM HEALTH CARE OF NE INC - MA | $270K | $0 | $270K | 5.22% |
| CRONIN GERVINO & WARLICK INC3 Filed as: CRONIN, GERVINO & WARLICK INC. | 5 DARTMOUTH DRIVE, SUITE 101 AUBURN, NH 03032 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $45K | $7K | $52K | 11.40% |
| CRONIN GERVINO & WARLICK INC3 Filed as: CRONIN, GERVINO & WARLICK INC. | 5 DARTMOUTH DRIVE AUBURN, NH 03032 | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | $12K | $0 | $12K | 4.02% |
| COMBINED SERVICES LLC3 | PO BOX 1320 CONCORD, NH 03302 | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | $2K | $0 | $2K | 0.68% |
| CRONIN GERVINO & WARLICK INC3 Filed as: CRONIN, GERVINO & WARLICK INC. | 5 DARTMOUTH DRIVE AUBURN, NH 03032 | VISION SERVICE PLAN | $2K | $0 | $2K | 3.02% |
| CRONIN GERVINO & WARLICK INC3 Filed as: CRONIN, GERVINO & WARLICK INC. | 171 LONDONDERRY TURNPIKE HOOKSETT, NH 03106 | CONTINENTAL AMERICAN INSURANCE COMPANY | $16K | $0 | $16K | 27.09% |
| CRONIN GERVINO & WARLICK INC3 Filed as: CRONIN, GERVINO & WARLICK INC. | 5 DARTMOUTH DRIVE AUBURN, NH 03032 | METLIFE LEGAL PLANS | $487 | $0 | $487 | 10.77% |
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 | 403 | 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) | 403 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HARVARD PILGRIM HEALTH CARE OF NE INC - MA | 718 | $5.2M |
| Dental | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | 670 | $308K |
| Vision | VISION SERVICE PLAN | 277 | $72K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 467 | $452K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 467 | $452K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 467 | $452K |
| Prescription drug | HARVARD PILGRIM HEALTH CARE OF NE INC - MA | 718 | $5.2M |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 467 | $517K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 718 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
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.