| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CRONIN GERVINO & WARLICK INC3 Filed as: CRONIN, GERVINO & WARLICK, INC. | 171 LONDONDERRY TURNPIKE HOOKSETT, NV 03106 | MATTHEW THORNTON HEALTH PLAN, INC. | $21K | $0 | $21K | 2.14% |
| CGI EMPLOYEE BENEFITS GROUP3 | 171 LONDONDERRY TPKE HOOKSETT, NE 031061977 | ANTHEM HEALTH PLANS OF NEW HAMPSHIRE, INC. | $5K | $0 | $5K | 2.17% |
| CRONIN GERVINO & WARLICK INC3 Filed as: CRONIN, GERVINO & WARLICK, INC. | 171 LONDONDERRY TPKE HOOKSETT, NH 031061977 | ANTHEM HEALTH PLANS OF NEW HAMPSHIRE | $3K | $0 | $3K | 4.12% |
| LEISMAN INS AGENCY INC.3 | 800 SOUTH ST PO BOX 9020 HOOKSETT, NH 031061977 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 15.00% |
| LEISMAN INS AGENCY INC.3 | 800 SOUTH ST PO BOX 9020 WALTHAM, MA 022549020 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $590 | $0 | $590 | 4.66% |
| CRONIN GERVINO & WARLICK INC3 Filed as: CRONIN GERVINO & WARLICK INC. | 171 LONDONDERRY TPKE HOOKSETT, NH 031061977 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $0 | $1K | 11.15% |
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 | 115 | 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) | 116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | MATTHEW THORNTON HEALTH PLAN, INC. | 122 | $1.2M |
| Dental | ANTHEM HEALTH PLANS OF NEW HAMPSHIRE | 92 | $71K |
| Vision | RELIANCE STANDARD LIFE INSURANCE COMPANY | 71 | $10K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 119 | $13K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 64 | $14K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 119 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 122 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.