| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 3 EXECUTIVE PARK DR STE 300 BEDFORD, NH 031106990 | HPHC INSURANCE COMPANY | $15K | $0 | $15K | 2.45% |
| CGI EMPLOYEE BENEFITS GROUP3 | 171 LONDONDERRY TPKE HOOKSETT, NE 031061977 | HPHC INSURANCE COMPANY | $5K | $0 | $5K | 0.80% |
| USI INSURANCE SERVICES LLC3 | 3 EXECUTIVE PARK DR STE 300 BEDFORD, NH 031106990 | HARVARD PILGRIM HEALTH CARE OF NE INC. - MA | $8K | $0 | $8K | 2.45% |
| CGI EMPLOYEE BENEFITS GROUP3 | 171 LONDONDERRY TPKE HOOKSETT, NH 031061977 | HARVARD PILGRIM HEALTH CARE OF NE INC. - MA | $2K | $0 | $2K | 0.79% |
| USI INSURANCE SERVICES LLC3 | 3 EXECUTIVE PARK DRIVE SUITE 300 BEDFORD, NH 03110 | ANTHEM HEALTH PLANS OF NEW HAMPSHIRE | $3K | $0 | $3K | 3.17% |
| CRONIN GERVINO & WARLICK INC3 Filed as: CRONIN, GERVINO & WARLICK, INC. | 171 LONDONDERRY TURNPIKE HOOKSETT, NH 03106 | ANTHEM HEALTH PLANS OF NEW HAMPSHIRE | $2K | $0 | $2K | 2.03% |
| LEISMAN INS AGENCY INC.3 | 800 SOUTH ST PO BOX 9020 WALTHAM, MA 022549020 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $566 | $0 | $566 | 4.65% |
| USI INSURANCE SERVICES LLC3 | 3 EXECUTIVE PARK DR STE 300 BEDFORD, NH 031106990 | VISION SERVICE PLAN | $613 | $0 | $613 | 6.37% |
| CRONIN GERVINO & WARLICK INC3 Filed as: CRONIN & GERVINO INSURANCE & INV | 171 LONDONDERRY TPKE HOOKSETT, NH 031061977 | VISION SERVICE PLAN | $118 | $0 | $118 | 1.23% |
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 | 110 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 112 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HPHC INSURANCE COMPANY | 98 | $927K |
| Dental | ANTHEM HEALTH PLANS OF NEW HAMPSHIRE | 74 | $85K |
| Vision | VISION SERVICE PLAN | 59 | $10K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 110 | $12K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 110 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 110 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.