| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CGI EMPLOYEE BENEFITS GROUP3 Filed as: CGI BUSINESS SOLUTIONS | 5 DARTMOUTH DRIVE AUBURN, NH 03032 | HPHC INSURANCE COMPANY | $56K | $0 | $56K | 1.79% |
| CRONIN GERVINO & WARLICK INC3 | 5 DARTMOUTH DRIVE AUBURN, NH 03032 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11K | $8K | $19K | 6.14% |
| HPHC INSURANCE AGENCY, INC.3 Filed as: HPHC INSURANCE AGENCY INC | 93 WORCESTER STREET WELLESLEY HILLS, MA 02481 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $18K | $0 | $18K | 6.00% |
| CGI EMPLOYEE BENEFITS GROUP3 Filed as: CGI BUSINESS SOLUTIONS | 5 DARTMOUTH DRIVE AUBURN, NH 03032 | HARVARD PILGRIM HEALTH CARE | $2K | $0 | $2K | 1.86% |
| 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. | $2K | $0 | $2K | 10.02% |
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 | 220 | 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) | 220 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HPHC INSURANCE COMPANY | 333 | $3.2M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 220 | $308K |
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | 281 | $19K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 220 | $308K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 220 | $308K |
| Prescription drug(2 contracts, 2 carriers) | HPHC INSURANCE COMPANY | 333 | $3.2M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 220 | $308K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 333 | — |
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.