| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CRONIN GERVINO & WARLICK INC3 | 5 DARTMOUTH DRIVE AUBURN, NH 03032 | UNITEDHEALTHCARE INSURANCE COMPANY | $37K | $0 | $37K | 2.57% |
| CRONIN GERVINO & WARLICK INC3 | 5 DARTMOUTH DRIVE AUBURN, NH 03032 | STANDARD INSURANCE COMPANY | $24K | $6K | $31K | 18.89% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | STANDARD INSURANCE COMPANY | $1K | $280 | $1K | 0.86% |
| COMBINED SERVICES LLC3 | PO BOX 1320 CONCORD, NH 03302 | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | $665 | $0 | $665 | 0.63% |
| CRONIN GERVINO & WARLICK INC3 | 5 DARTMOUTH DRIVE, SUITE 101 AUBURN, TX 03032 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $144 | $2K | 12.39% |
| USI INSURANCE SERVICES LLC3 | 75 JOHN ROBERTS ROAD, BUILDING C SOUTH PORTLAND, ME 04106 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $240 | $0 | $240 | 1.29% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TEXAS HIGHWAY S BUILDING 2, SUITE 125 AUSTIN, TX 78746 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $96 | $96 | 0.52% |
| GRANITE GROUP BENEFITS, LLC3 Filed as: GRANITE GROUP BENEFITS LLC | 1001 ELM STREET, SUITE 301 MANCHESTER, NH 03101 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $26 | $0 | $26 | 0.14% |
| USI INSURANCE SERVICES LLC3 | 75 JOHN ROBERTS ROAD, BUILDING C SOUTH PORTLAND, ME 04106 | FIRST UNUM LIFE INSURANCE COMPANY | $4 | $0 | $4 | 0.92% |
| GRANITE GROUP BENEFITS, LLC3 Filed as: GRANITE GROUP BENEFITS LLC | 1001 ELM STREET, SUITE 301 MANCHESTER, NH 03101 | FIRST UNUM LIFE INSURANCE COMPANY | $4 | $0 | $4 | 0.92% |
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 | 282 | 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) | 282 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 320 | $1.4M |
| Dental | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | 340 | $105K |
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | 290 | $14K |
| Life insurance(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 282 | $181K |
| Short-term disability | STANDARD INSURANCE COMPANY | 282 | $162K |
| Long-term disability | STANDARD INSURANCE COMPANY | 282 | $162K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 320 | $1.4M |
| Other | STANDARD INSURANCE COMPANY | 282 | $162K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 340 | — |
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.