| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CGI EMPLOYEE BENEFITS GROUP3 | UNKNOWN MANCHESTER, NH 03102 | HARVARD PILGRIM HEALTH CARE OF NE INC. MA | $42K | — | $42K | 1.26% |
| USI INSURANCE SERVICES LLC3 | UNKNOWN BRIARCLIFF MANOR, NY 10510 | HARVARD PILGRIM HEALTH CARE OF NE INC. MA | $20K | — | $20K | 0.61% |
| CRONIN GERVINO & WARLICK INC3 Filed as: CRONIN, GERVINO & WARLICK INC. | 171 LONDONDERRY TURNPIKE HOOKSETT, NH 01802 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $10K | $3K | $13K | 7.68% |
| USI INSURANCE SERVICES LLC3 | 12 GILL STREET 5500 WOBURN, MA 01802 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $12K | — | $12K | 7.35% |
| AON CONSULTING INC3 Filed as: CRONIN-BSWIFT SERVICES, DANIEL F. | 171 LONDONDERRY TURNPIKE ROAD HOOKSETT, NH 03106 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 2.17% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES INC. | 1250 CAPITAL OF TX HWY S BUILDING 11 STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $2K | $2K | 1.36% |
| CRONIN GERVINO & WARLICK INC3 Filed as: CRONIN, GERVINO AND WARLICK, INC. | 171 LONDONDERRY TURNPIKE ROAD HOOKSETT, NH 03106 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $1K | $4K | 7.49% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, INC. | 12 GILL STREET 5500 WOBURN WOBURN, MA 01801 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 7.45% |
| AON CONSULTING INC3 Filed as: CRONIN-BSWIFT SERVICES, DANIEL F. | 171 LONDONDERRY TURNPIKE RD HOOKSETT, NH 03106 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 2.14% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES INC. | 1250 CAPITAL OF TX HWY S BLDG LL SUITE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $761 | $761 | 1.29% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | RED TREE INSURANCE COMPANY, INC. DBA DELTA VISION | $2K | — | $2K | 6.96% |
| CRONIN GERVINO & WARLICK INC3 | 171 LONDONDERRY TURNPIKE RD HOOKSETT, NH 03106 | RED TREE INSURANCE COMPANY, INC. DBA DELTA VISION | $1K | — | $1K | 4.08% |
| COMBINED SERVICES LLC3 | PO BOX 1320 CONCORD, NH 033021320 | RED TREE INSURANCE COMPANY, INC. DBA DELTA VISION | $447 | — | $447 | 1.65% |
| CGI BENEFITS GROUP3 Filed as: CGI EMPLOYEES BENEFITS GROUP | UNKNOWN MANCHESTER, NH 03102 | HPHC INSURANCE COMPANY | $77 | — | $77 | 1.26% |
| USA INSURANCE SERVICES LLC3 | UNKNOWN BRIARCLIFF MANOR, NY 10510 | HPHC INSURANCE COMPANY | $37 | — | $37 | 0.60% |
| CRONIN GERVINO & WARLICK INC3 Filed as: CRONIN, GERVINO AND WARLICK, INC. | 171 LONDONDERRY TURNPIKE ROAD HOOKSETT, NH 03106 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $55 | — | $55 | 2.21% |
| AON CONSULTING INC3 Filed as: CRONIN - BSWIFT SERVICES, DANIEL F. | 171 LONDONDERRY TURNPIKE ROAD HOOKSETT, NH 03106 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $54 | — | $54 | 2.17% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES INC. | 1250 CAPITAL OF TX HWY S BUILDING LL SUITE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $36 | — | $36 | 1.44% |
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 | 559 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 570 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HARVARD PILGRIM HEALTH CARE OF NE INC. MA | 932 | $3.3M |
| Vision | RED TREE INSURANCE COMPANY, INC. DBA DELTA VISION | 515 | $27K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 559 | $169K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 489 | $59K |
| Prescription drug(2 contracts, 2 carriers) | HARVARD PILGRIM HEALTH CARE OF NE INC. MA | 932 | $3.3M |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 559 | $172K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 932 | — |
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.