| 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 | $108K | $28K | $136K | 2.26% |
| CRONIN GERVINO & WARLICK INC3 Filed as: CRONIN, GERVINO & WARLICK, INC. | 5 DARTMOUTH DRIVE AUBURN, NH 03032 | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | $15K | — | $15K | 4.13% |
| CRONIN GERVINO & WARLICK INC3 Filed as: CRONIN, GERVINO & WARLICK, INC. | 5 DARTMOUTH DRIVE, SUITE 101 AUBURN, NH 03032 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $32K | $6K | $39K | 14.91% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES, LLC | 2 DELTA DRIVE, SUITE 301 CONCORD, NH 03301 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $23K | $23K | 9.00% |
| CGI EMPLOYEE BENEFITS GROUP3 Filed as: CGI BUSINESS SOLUTIONS | 5 DARTMOUTH DRIVE AUBURN, NH 03032 | HPHC INSURANCE COMPANY | $1K | $379 | $2K | 2.40% |
| CRONIN GERVINO & WARLICK INC3 Filed as: CRONIN, GERVINO & WARLICK, INC. | 5 DARTMOUTH DRIVE, SUITE 101 AUBURN, NH 03032 | UNUM INSURANCE COMPANY | $4K | $806 | $5K | 14.58% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES, LLC | 2 DELTA DRIVE, SUITE 301 CONCORD, NH 03301 | UNUM INSURANCE COMPANY | $0 | $2K | $2K | 4.54% |
| CRONIN GERVINO & WARLICK INC3 Filed as: CRONIN, GERVINO & WARLICK, INC. | 5 DARTMOUTH DRIVE AUBURN, NH 03032 | RED TREE INSURANCE COMPANY, INC. | $2K | $0 | $2K | 9.94% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES, LLC | PO BOX 1320 CONCORD, NH 03302 | RED TREE INSURANCE COMPANY, INC. | $360 | — | $360 | 1.49% |
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 | 393 | 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) | 393 | 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 | 334 | $6.1M |
| Dental | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | 567 | $353K |
| Vision | RED TREE INSURANCE COMPANY, INC. | 426 | $24K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 393 | $258K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 393 | $258K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 393 | $258K |
| Prescription drug(2 contracts, 2 carriers) | HARVARD PILGRIM HEALTH CARE OF NE INC - MA | 334 | $6.1M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 393 | $294K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 567 | — |
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.