| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROSS INSURANCE3 | 100 ELM STREET MANCHESTER, NH 03101 | HARVARD PILGRIM HEALTHCARE | $65K | $0 | $65K | 4.23% |
| CROSS INSURANCE3 Filed as: CROSS INSURANCE, INC. | 1100 ELM STREET MANCHESTER, NH 03101 | STANDARD INSURANCE COMPANY | $8K | $824 | $9K | 8.24% |
| CRONIN GERVINO & WARLICK INC3 Filed as: CRONIN GERVINO AND WARLICK, INC. | 5 DARTMOUTH DRIVE AUBURN, NH 03032 | STANDARD INSURANCE COMPANY | $408 | $4 | $412 | 0.38% |
| FIAI INC3 Filed as: FIAI, INC. | 1100 ELM STREET MANCHESTER, NH 03101 | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | $4K | $0 | $4K | 4.56% |
| CRONIN GERVINO & WARLICK INC3 Filed as: CRONIN GERVINO AND WARLICK, INC. | 5 DARTMOUTH DRIVE AUBURN, NH 03032 | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | $287 | $0 | $287 | 0.36% |
| FIAI INC3 Filed as: FIAI, INC. | 1100 ELM STREET MANCHESTER, NH 03101 | REDTREE INSURANCE COMPANY, INC. | $827 | $0 | $827 | 9.10% |
| COMBINED SERVICES LLC3 | PO BOX 1320 CONCORD, NH 03302 | REDTREE INSURANCE COMPANY, INC. | $134 | $0 | $134 | 1.47% |
| CRONIN GERVINO & WARLICK INC3 Filed as: CRONIN GERVINO AND WARLICK, INC. | 5 DARTMOUTH DRIVE AUBURN, NH 03032 | REDTREE INSURANCE COMPANY, INC. | $64 | $0 | $64 | 0.70% |
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 | 173 | 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) | 173 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HARVARD PILGRIM HEALTHCARE | 186 | $1.5M |
| Dental | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | 206 | $80K |
| Vision | REDTREE INSURANCE COMPANY, INC. | 204 | $9K |
| Life insurance | STANDARD INSURANCE COMPANY | 173 | $108K |
| Short-term disability | STANDARD INSURANCE COMPANY | 173 | $108K |
| Long-term disability | STANDARD INSURANCE COMPANY | 173 | $108K |
| Prescription drug | HARVARD PILGRIM HEALTHCARE | 186 | $1.5M |
| Other | STANDARD INSURANCE COMPANY | 173 | $108K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 206 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.