| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CRONIN GERVINO & WARLICK INC3 Filed as: CRONIN, GERVINO AND WARLICK INC. | 171 LONDONDERRY TURNPIKE ROAD HOOKSETT, NH 03106 | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | $10K | $0 | $10K | 3.11% |
| COMBINED SERVICES LLC3 | PO BOX 1320 CONCORD, NH 03302 | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | $2K | $0 | $2K | 0.74% |
| CRONIN GERVINO & WARLICK INC3 Filed as: CRONIN, GERVINO AND WARLICK INC. | 171 LONDONDERRY TURNPIKE ROAD HOOKSETT, NH 03106 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | $6K | $14K | 10.63% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 1250 CAPITAL OF TX HIGHWAY SOUTH BUILDING 2, SUITE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.24% |
| CRONIN GERVINO & WARLICK INC3 Filed as: CRONIN, GERVINO AND WARLICK INC. | 171 LONDONDERRY TURNPIKE ROAD HOOKSETT, NH 03106 | VISION SERVICE PLAN | $903 | $0 | $903 | 5.80% |
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 | 300 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 94 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 394 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | 562 | $311K |
| Vision | VISION SERVICE PLAN | 132 | $16K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 374 | $129K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 374 | $129K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 374 | $129K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 562 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.