| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CRONIN GERVINO & WARLICK INC3 | 5 DARTMOUTH DRIVE AUBURN, NH 03032 | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | $8K | $0 | $8K | 3.87% |
| CRONIN GERVINO & WARLICK INC3 | 5 DARTMOUTH DRIVE, SUITE 101 AUBURN, NH 03032 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16K | $3K | $18K | 9.97% |
| CRONIN GERVINO & WARLICK INC3 | 171 LONDONDERRY TURNPIKE HOOKSETT, NJ 03106 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | $0 | $6K | 23.78% |
| CRONIN GERVINO & WARLICK INC3 | 5 DARTMOUTH DRIVE, SUITE 101 AUBURN, NH 03032 | STANDARD INSURANCE COMPANY | $1K | $203 | $1K | 7.39% |
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 | 194 | 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) | 194 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | 299 | $209K |
| Vision | STANDARD INSURANCE COMPANY | 169 | $17K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 194 | $185K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 194 | $185K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 194 | $185K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 194 | $211K |
| 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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.