| 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 | MATTHEW THORNTON HEALTH PLAN, INC. | $40K | $0 | $40K | 2.81% |
| CRONIN GERVINO & WARLICK INC3 Filed as: CRONIN GERVINO & WARLICK | 171 LONDONDERRY TURNPIKE HOOKSETT, NH 03106 | ANTHEM HEALTH PLANS OF NEW HAMPSHIRE, INC. | $6K | $0 | $6K | 2.75% |
| 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 | 4.45% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES, LLC | PO BOX 1320 CONCORD, NH 033021320 | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | $2K | $0 | $2K | 1.04% |
| CRONIN GERVINO & WARLICK INC3 Filed as: CRONIN GERVINO & WARLICK, INC. | 171 LONDONDERRY TURNPIKE HOOKSETT, NH 03106 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $2K | $13K | 9.05% |
| CRONIN GERVINO & WARLICK INC3 Filed as: CRONIN GERVINO & WARLICK, INC. | 171 LONDONDERRY TURNPIKE HOOKSETT, NH 03106 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $302 | $4K | 16.25% |
| MCGARRY, MICHAEL, PATRICK3 | 9 DUNN ESTS SCARBOROUGH, ME 04074 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 20.49% |
| CRONIN GERVINO & WARLICK INC3 Filed as: CRONIN & GERVINO & WARLICK | 171 LONDONDERRY TNPK HOOKSETT, NH 03106 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $149 | $2K | 14.92% |
| CORNIN & GERVINO & WARLICK, INC.3 Filed as: CORNIN & GERVINO & WARLICK INC | 171 LONDONDERRY TNPK HOOKSETT, NH 03106 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $227 | $0 | $227 | 4.01% |
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 | 202 | 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) | 202 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | MATTHEW THORNTON HEALTH PLAN, INC. | 208 | $1.6M |
| Dental | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | 299 | $175K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 205 | $138K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 205 | $138K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 205 | $138K |
| Prescription drug | ANTHEM HEALTH PLANS OF NEW HAMPSHIRE, INC. | 28 | $215K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 205 | $180K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 299 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.