| 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 | $77K | $27K | $104K | 2.51% |
| CGI EMPLOYEE BENEFITS GROUP3 Filed as: CGI BUSINESS SOLUTIONS | 5 DARTMOUTH DRIVE AUBURN, NH 03032 | HARVARD PILGRIM HEALTH CARE OF NE INC - MA | $29K | $10K | $39K | 2.58% |
| CRONIN GERVINO & WARLICK INC3 Filed as: CRONIN GERVINO & WARLICK, INC. | 5 DARTMOUTH DRIVE AUBURN, NH 03032 | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | $14K | — | $14K | 4.16% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: STEPHEN BROWN | 30 INTERNATIONAL DRIVE, SUITE 101 PORTSMOUTH, NH 03801 | STANDARD INSURANCE COMPANY | $13K | $0 | $13K | 9.23% |
| CRONIN GERVINO & WARLICK INC3 Filed as: CRONIN GERVINO & WARLICK, INC. | 5 DARTMOUTH DRIVE AUBURN, NH 03032 | STANDARD INSURANCE COMPANY | $8K | $0 | $8K | 5.72% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: STEPHEN BROWN | 30 INTERNATIONAL DRIVE, SUITE 101 PORTSMOUTH, NH 03801 | ANTHEM LIFE INSURANCE COMPANY | $8K | $0 | $8K | 14.61% |
| CGI EMPLOYEE BENEFITS GROUP3 Filed as: CGI BUSINESS SOLUTIONS | 5 DARTMOUTH DRIVE AUBURN, NH 03032 | HARVARD PILGRIM HEALTH CARE OF NE INC - MA | $475 | $166 | $641 | 2.20% |
| CGI EMPLOYEE BENEFITS GROUP3 Filed as: CGI BUSINESS SOLUTIONS | 5 DARTMOUTH DRIVE AUBURN, NH 03032 | HPHC INSURANCE COMPANY | $448 | $156 | $604 | 2.12% |
| 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. | $335 | $0 | $335 | 1.49% |
| CGI EMPLOYEE BENEFITS GROUP4 Filed as: CGI BUSINESS SOLUTIONS | 5 DARTMOUTH DRIVE AUBURN, NH 03032 | HPHC INSURANCE COMPANY | $153 | $54 | $207 | 2.89% |
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 | 375 | 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) | 375 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 2 carriers) | HARVARD PILGRIM HEALTH CARE OF NE INC - MA | 375 | $5.7M |
| Dental | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | 558 | $343K |
| Vision | RED TREE INSURANCE COMPANY, INC. | 403 | $22K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 395 | $194K |
| Short-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 395 | $194K |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 395 | $194K |
| Prescription drug(5 contracts, 2 carriers) | HARVARD PILGRIM HEALTH CARE OF NE INC - MA | 375 | $5.7M |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 395 | $194K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 558 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.