| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CRONIN GERVINO & WARLICK INC3 Filed as: CRONIN & GERVINO INSURANCE, INC. | UNKNOWN NORTH ANDOVOR, MA 01845 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $41K | $3K | $44K | 2.14% |
| CRONIN GERVINO & WARLICK INC3 Filed as: CRONIN, GERVINO, & WARLICK, INC. | 5 DARMOUTH DRIVE AUBURN, NH 03032 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 9.86% |
| IMG5 | 2960 NORTH MERIDIANN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $26 | $26 | 0.03% |
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 | 177 | 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) | 177 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 204 | $2.1M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 204 | $2.1M |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 177 | $77K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 177 | $77K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 177 | $77K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 204 | $2.1M |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 177 | $77K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 204 | — |
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.