| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CGI EMPLOYEE BENEFITS GROUP3 | 171 LONDONDERRY TURNPIKE ROAD HOOKSETT, NH 03106 | HARVARD PILGRIM HEALTH CARE OF NE, INC. - MA | $73K | $0 | $73K | 1.66% |
| CGI EMPLOYEE BENEFITS GROUP3 | 171 LONDONDERRY TURNPIKE ROAD HOOKSETT, NH 03106 | HARVARD PILGRIM HEALTH CARE OF NE, INC. - MA | $33K | $0 | $33K | 1.66% |
| CRONIN GERVINO & WARLICK INC3 Filed as: CRONIN GERVINO & WARLICK, INC. | 171 LONDONDERRY TURNPIKE HOOKSETT, NH 03106 | STANDARD INSURANCE COMPANY | $29K | $0 | $29K | 8.07% |
| CRONIN GERVINO & WARLICK INC3 Filed as: CRONIN GERVINO & WARLICK, INC. | 171 LONDONDERRY TURNPIKE HOOKSETT, NH 03106 | STANDARD INSURANCE COMPANY | $30K | $0 | $30K | 9.04% |
| CRONIN GERVINO & WARLICK INC3 Filed as: CRONIN GERVINO & WARLICK, INC. | 171 LONDONDERRY TURNPIKE HOOKSETT, NH 03106 | STANDARD INSURANCE COMPANY | $22K | $0 | $22K | 8.76% |
| CRONIN GERVINO & WARLICK INC3 Filed as: CRONIN GERVINO & WARLICK, INC. | 171 LONDONDERRY TPKE. HOOKSETT, NH 031061977 | VISION SERVICE PLAN | $2K | $0 | $2K | 3.03% |
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 | 786 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 793 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | HARVARD PILGRIM HEALTH CARE OF NE, INC. - MA | 564 | $6.4M |
| Vision | VISION SERVICE PLAN | 470 | $71K |
| Life insurance | STANDARD INSURANCE COMPANY | 804 | $247K |
| Short-term disability | STANDARD INSURANCE COMPANY | 502 | $358K |
| Long-term disability | STANDARD INSURANCE COMPANY | 804 | $327K |
| Prescription drug(2 contracts) | HARVARD PILGRIM HEALTH CARE OF NE, INC. - MA | 564 | $6.4M |
| Other | STANDARD INSURANCE COMPANY | 804 | $247K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 804 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.