| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CRONIN GERVINO & WARLICK INC3 Filed as: CRONIN GERVINO & WARLICK, INC. | 5 DARTHMOUTH DRIVE, SUITE 101 AUBURN, NH 03032 | THE GUARDIAN LIFE INSURANCE COMPANY | $6K | $5K | $10K | 6.52% |
| HPHC INSURANCE AGENCY, INC.3 | 93 WORCESTER STREET WELLESLEY HILLS, MA 02481 | THE GUARDIAN LIFE INSURANCE COMPANY | $10K | — | $10K | 6.00% |
| CRONIN GERVINO & WARLICK INC3 Filed as: CRONIN GERVINO & WARLICK INC. | 5 DARTMOUTH DRIVE AUBURN, NH 03032 | ANTHEM LIFE INSURANCE COMPANY (G1400) | $17K | — | $17K | 15.01% |
| CRONIN GERVINO & WARLICK INC3 | 5 DARTMOUTH DRIVE AUBURN, NH 03032 | STANDARD INSURANCE COMPANY | $7K | $736 | $8K | 22.18% |
| CRONIN GERVINO & WARLICK INC3 Filed as: CRONIN & GERVINO INSURANCE | 5 DARTMOUTH DR. AUBURN, NH 030323984 | METROPOLITAN LIFE INSURANCE COMPANY | $594 | $71 | $665 | 10.75% |
| CRONIN GERVINO & WARLICK INC3 Filed as: CRONIN & GERVINO INSURANCE | 5 DARTMOUTH DR AUBURN, NH 030323984 | METROPOLITAN LIFE INSURANCE COMPANY | $277 | $37 | $314 | 11.38% |
| CRONIN GERVINO & WARLICK INC3 Filed as: CRONIN & GERVINO INSURANCE | 5 DARTMOUTH DR. AUBURN, NH 030323984 | METROPOLITAN LIFE INSURANCE COMPANY | $997 | $138 | $1K | — |
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 | 228 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 229 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 21 | $9K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY | 158 | $159K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY | 158 | $159K |
| Life insurance(3 contracts, 3 carriers) | ANTHEM LIFE INSURANCE COMPANY (G1400) | 236 | $148K |
| Short-term disability(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY (G1400) | 236 | $148K |
| Long-term disability(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY (G1400) | 236 | $148K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 228 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 236 | — |
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.