| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COMPREHENSIVE INSURANCE PROVIDERS3 Filed as: COMPREHENSIVE INS PROVIDERS INC | 5 CROSS STREET STOW, MA 01775 | HARVARD PILGRIM HEALTH CARE OF NE | $29K | — | $29K | 4.07% |
| CGI EMPLOYEE BENEFITS GROUP3 | 171 LONDONDERRY TPKE, UNIT 3 HOOKSETT, NH 03106 | HARVARD PILGRIM HEALTH CARE OF NE | $109 | — | $109 | 0.02% |
| COMPREHENSIVE INSURANCE PROVIDERS Filed as: COMPREHENSIVE INS PROVIDERS INC | 47 HUNTINGTON ST #302 SOMERVILLE, MA 02143 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 5.16% |
| CRONIN GERVINO & WARLICK INC3 | 171 LONDONDERRY TPKE, UNIT 3 HOOKSETT, NH 03106 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $462 | $462 | 0.91% |
| COMPREHENSIVE INSURANCE PROVIDERS3 Filed as: COMPREHENSIVE INS PROVIDERS INC | 5 CROSS STREET STOW, MA 01775 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 11.07% |
| LANDMARK BENEFITS INC3 | 183 ROCKINGHAM RD, UNIT 2 EAST WINDHAM, NH 03087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $340 | — | $340 | 0.97% |
| COMPREHENSIVE INSURANCE PROVIDERS3 Filed as: COMPREHENSIVE INS PROVIDERS INC | 5 CROSS STREET STOW, MA 01775 | HPHC INSURANCE COMPANY | $306 | — | $306 | 4.89% |
| CGI EMPLOYEE BENEFITS GROUP3 | 171 LONDONDERRY TPKE, UNIT 3 HOOKSETT, NH 03106 | HPHC INSURANCE COMPANY | $1 | — | $1 | 0.02% |
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 | 113 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 113 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HARVARD PILGRIM HEALTH CARE OF NE | 125 | $715K |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 58 | $51K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 113 | $35K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 113 | $35K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 113 | $35K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 113 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 125 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.