| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CRONIN GERVINO & WARLICK INC3 Filed as: CRONIN GERVINO AND WARLICK, INC. | 5 DARTMOUTH DRIVE AUBURN, NH 03032 | MATTHEW THORNTON HEALTH PLAN, INC. | $74K | $73K | $147K | 4.83% |
| CRONIN GERVINO & WARLICK INC3 Filed as: CRONIN GERVINO AND WARLICK, INC. | 171 LONDONDERRY TURNPIKE HOOKSETT, NH 03103 | STANDARD INSURANCE COMPANY | $33K | $2K | $35K | 17.12% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGNIA BEACH, VA 23466 | STANDARD INSURANCE COMPANY | $764 | $337 | $1K | 0.53% |
| COMBINED SERVICES LLC3 | PO BOX 1320 CONCORD, NH 03302 | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | $2K | $0 | $2K | 0.92% |
| CRONIN GERVINO & WARLICK INC3 Filed as: CRONIN GERVINO AND WARLICK, INC. | 5 DARTMOUTH DRIVE, SUITE 101 AUBURN, NH 03032 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $11K | $755 | $12K | 33.84% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC. | 1250 CAPITAL OF TEXAS HIGHWAY BUILDING 2, SUITE 125 AUSTIN, TX 78746 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $502 | $502 | 1.44% |
| USI INSURANCE SERVICES LLC3 | 75 JOHN ROBERTS ROAD, BUILDING C SOUTH PORTLAND, ME 04106 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $116 | $0 | $116 | 0.33% |
| GRANITE GROUP BENEFITS, LLC3 Filed as: GRANITE GROUP BENEFITS | 1001 ELM STREET, SUITE 301 MANCHESTER, NH 03101 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $22 | $0 | $22 | 0.06% |
| CGI EMPLOYEE BENEFITS GROUP3 Filed as: CGI BUSINESS SOLUTIONS | 5 DARTMOUTH DRIVE AUBURN, NH 03032 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | $3K | $0 | $3K | 10.00% |
| CRONIN GERVINO & WARLICK INC3 Filed as: CRONIN GERVINO AND WARLICK, INC. | 5 DARTMOUTH DRIVE, SUITE 101 AUBURN, NH 03032 | FIRST UNUM LIFE INSURANCE COMPANY | $90 | $0 | $90 | 27.69% |
| GRANITE GROUP BENEFITS, LLC3 Filed as: GRANITE GROUP BENEFITS | 1001 ELM STREET, SUITE 301 MANCHESTER, NH 03101 | FIRST UNUM LIFE INSURANCE COMPANY | $2 | $0 | $2 | 0.62% |
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 | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 284 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MATTHEW THORNTON HEALTH PLAN, INC. | 500 | $3.0M |
| Dental | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | 595 | $206K |
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | 967 | $28K |
| Life insurance(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 282 | $241K |
| Short-term disability | STANDARD INSURANCE COMPANY | 282 | $206K |
| Long-term disability | STANDARD INSURANCE COMPANY | 282 | $206K |
| Prescription drug | MATTHEW THORNTON HEALTH PLAN, INC. | 500 | $3.0M |
| Other | STANDARD INSURANCE COMPANY | 282 | $206K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 967 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.