| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CRONIN GERVINO & WARLICK INC3 Filed as: CRONIN GERVINO & WARLICK, INC. | 171 LONDONDERRY TURNPIKE HOOKSETT, NH 03106 | MATHEW THORNTON HEALTH PLAN, INC. | $35K | $0 | $35K | 3.25% |
| CRONIN GERVINO & WARLICK INC3 Filed as: CRONIN GERVINO & WARLICK | 171 LONDONDERRY TURNPIKE HOOKSETT, NH 03106 | ANTHEM HEALTH PLANS OF NEW HAMPSHIRE, INC. | $7K | $0 | $7K | 3.16% |
| CRONIN GERVINO & WARLICK INC3 Filed as: CRONIN GERVINO & WARLICK, INC. | 171 LONDONDERRY TURNPIKE RD. HOOKSETT, NH 03106 | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | $8K | $0 | $8K | 4.85% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES, LLC | PO BOX 1320 CONCORD, NH 033021320 | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | $2K | $0 | $2K | 1.16% |
| CRONIN GERVINO & WARLICK INC3 Filed as: CRONIN GERVINO & WARLICK, INC. | 171 LONDONDERRY TURNPIKE HOOKSETT, NH 03106 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $1K | $8K | 14.08% |
| CRONIN GERVINO & WARLICK INC3 Filed as: CRONIN GERVINO & WARLICK, INC. | 171 LONDONDERRY TURNPIKE UNIT 3 HOOKSETT, NH 031061977 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $818 | $3K | 14.35% |
| CRONIN GERVINO & WARLICK INC3 Filed as: CRONIN & GERVINO & WARLICK INC. | 171 LONDONDERRY TURNPIKE UNIT 3 HOOKSETT, NH 031061977 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $476 | $2K | 16.37% |
| CGI EMPLOYEE BENEFITS GROUP3 | 171 LONDONDERRY TURNPIKE RD. UNIT 3 HOOKSETT, NH 031061977 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $407 | $2K | 19.38% |
| CRONIN GERVINO & WARLICK INC3 Filed as: CRONIN GERVINO & WARLICK, INC. | 171 LONDONDERRY TURNPIKE HOOKSETT, NH 03106 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $185 | $2K | 19.16% |
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 | 166 | 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) | 166 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | MATHEW THORNTON HEALTH PLAN, INC. | 408 | $1.3M |
| Dental | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | 267 | $156K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 163 | $67K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 163 | $75K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 163 | $66K |
| Prescription drug | ANTHEM HEALTH PLANS OF NEW HAMPSHIRE, INC. | 66 | $210K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 163 | $76K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 408 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.