| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 3 EXECUTIVE PARK DR STE 300 BEDFORD, NH 03110 | UNITED HEALTHCARE INSURANCE COMPANY | $54K | $0 | $54K | 1.76% |
| CRONIN GERVINO & WARLICK INC3 | 171 LONDONDERRY TURNPIKE RD. HOOKSETT, NH 03106 | UNITED HEALTHCARE INSURANCE COMPANY | $36K | $0 | $36K | 1.18% |
| COMBINED SERVICES LLC3 | PO BOX 1320 CONCORD, NH 03302 | NORTHEAST DELTA DENTAL | $2K | $0 | $2K | 0.57% |
| CRONIN GERVINO & WARLICK INC3 | 171 LONDONDERRY TURNPIKE RD. HOOKSETT, NH 03106 | STANDARD INSURANCE COMPANY | $10K | $0 | $10K | 7.91% |
| USI INSURANCE SERVICES LLC3 Filed as: USI NORTHEAST INC | 555 PLEASANTVILLE RD BRIARCLIFF MANOR, NY 10510 | STANDARD INSURANCE COMPANY | $7K | $0 | $7K | 5.73% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | STANDARD INSURANCE COMPANY | $7K | $0 | $7K | 5.48% |
| CRONIN GERVINO & WARLICK INC3 Filed as: CRONIN GERVINO & WARLICK, INC. | 171 LONDONDERRY TURNPIKE RD. HOOKSETT, NH 03106 | STANDARD INSURANCE COMPANY | $5K | $0 | $5K | 7.57% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | STANDARD INSURANCE COMPANY | $5K | $0 | $5K | 7.43% |
| USI INSURANCE SERVICES LLC3 Filed as: USI NORTHEAST INC | 555 PLEASANTVILLE RD BRIARCLIFF MANOR, NY 10510 | STANDARD INSURANCE COMPANY | $4K | $0 | $4K | 5.08% |
| CRONIN GERVINO & WARLICK INC3 Filed as: CRONIN GERVINO & WARLICK, INC. | 171 LONDONDERRY TURNPIKE RD. HOOKSETT, NH 03106 | STANDARD INSURANCE COMPANY | $4K | $0 | $4K | 7.35% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | STANDARD INSURANCE COMPANY | $4K | $0 | $4K | 7.27% |
| USI INSURANCE SERVICES LLC3 Filed as: USI NORTHEAST INC | 555 PLEASANTVILLE RD BRIARCLIFF MANOR, NY 10510 | STANDARD INSURANCE COMPANY | $3K | $0 | $3K | 5.16% |
| USI INSURANCE SERVICES LLC3 | BLDG C 75 JOHN ROBERTS RD SOUTH PORTLAND, ME 04106 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $9K | $612 | $10K | 40.34% |
| GRANITE GROUP BENEFITS, LLC3 Filed as: GRANITE GROUP BENEFITS LLC | SUITE 301 1001 ELM ST MANCHESTER, NH 03101 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $68 | $0 | $68 | 0.27% |
| USI INSURANCE SERVICES LLC3 | BLDG C 75 JOHN ROBERTS RD SOUTH PORTLAND, ME 04106 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $922 | $88 | $1K | 16.79% |
| CRONIN GERVINO & WARLICK INC3 Filed as: CRONIN & GERVINO & WARLICK INC | 171 LONDONDERRY TURNPIKE RD. HOOKSETT, NH 03106 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $44 | $0 | $44 | 0.73% |
| GRANITE GROUP BENEFITS, LLC3 Filed as: GRANITE GROUP BENEFITS LLC | SUITE 301 1001 ELM ST MANCHESTER, NH 03101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $33 | $0 | $33 | 0.55% |
| USI INSURANCE SERVICES LLC3 | BLDG C 75 JOHN ROBERTS RD SOUTH PORTLAND, ME 04106 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | $0 | $1K | 26.37% |
| GRANITE GROUP BENEFITS, LLC3 Filed as: GRANITE GROUP BENEFITS LLC | SUITE 301 1001 ELM ST MANCHESTER, NH 03101 | FIRST UNUM LIFE INSURANCE COMPANY | $23 | $0 | $23 | 0.57% |
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 | 691 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 697 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 522 | $3.1M |
| Dental | NORTHEAST DELTA DENTAL | 751 | $287K |
| Vision | EYEMED VISION CARE | 569 | $34K |
| Life insurance | STANDARD INSURANCE COMPANY | 316 | $70K |
| Short-term disability | STANDARD INSURANCE COMPANY | 330 | $129K |
| Long-term disability | STANDARD INSURANCE COMPANY | 272 | $57K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 522 | $3.1M |
| Other(3 contracts, 3 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 171 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 751 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.