| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CRONIN GERVINO & WARLICK INC3 | 5 DARTMOUTH DRIVE AUBURN, NH 03032 | MATTHEW THORNTON HEALTH PLAN, INC. | $41K | $0 | $41K | 3.33% |
| CLARK & LAVEY BENEFIT SOLUTIONS3 | 32 DANIEL WEBSTER HWY, SUITE 10 MERRIMACK, NH 03054 | MATTHEW THORNTON HEALTH PLAN, INC. | $306 | $0 | $306 | 0.02% |
| CRONIN GERVINO & WARLICK INC3 | 5 DARTMOUTH DRIVE AUBURN, NH 03032 | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | $4K | $0 | $4K | 5.53% |
| COMBINED SERVICES LLC3 | PO BOX 1320 CONCORD, NH 03302 | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | $656 | $0 | $656 | 0.91% |
| CRONIN GERVINO & WARLICK INC3 | 5 DARTMOUTH DRIVE AUBURN, NH 03032 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | $0 | $7K | 11.99% |
| NFP INSURANCE SERVICES INC3 | 1250 SOUTH CAPITAL OF TEXAS HWY SUITE 2-125 AUSTIN, TX 78746 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $179 | $179 | 0.32% |
| CRONIN GERVINO & WARLICK INC3 | 5 DARTMOUTH DRIVE AUBURN, NH 03032 | RED TREE INSURANCE COMPANY, INC. | $697 | $0 | $697 | 9.83% |
| COMBINED SERVICES LLC3 | PO BOX 1320 CONCORD, NH 03302 | RED TREE INSURANCE COMPANY, INC. | $104 | $0 | $104 | 1.47% |
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 | 154 | 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) | 154 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MATTHEW THORNTON HEALTH PLAN, INC. | 158 | $1.2M |
| Dental | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | 149 | $72K |
| Vision | RED TREE INSURANCE COMPANY, INC. | 97 | $7K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 154 | $57K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 154 | $57K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 154 | $57K |
| Prescription drug | MATTHEW THORNTON HEALTH PLAN, INC. | 158 | $1.2M |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 154 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 158 | — |
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.