| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CGI EMPLOYEE BENEFITS GROUP3 Filed as: CGI BUSINESS SOLUTIONS | 5 DARTMOUTH DRIVE AUBURN, NH 03032 | HARVARD PILGRIM HEALTH CARE OF NE INC - MA | $33K | $10K | $43K | 4.67% |
| CRONIN GERVINO & WARLICK INC3 | 5 DARTMOUTH DRIVE AUBURN, NH 03032 | COMPANION LIFE INSURANCE COMPANY | $8K | $0 | $8K | 14.35% |
| COMBINED SERVICES LLC3 | 2 DELTA DRIVE, SUITE 301 CONCORD, NH 03301 | COMPANION LIFE INSURANCE COMPANY | $4K | $0 | $4K | 7.17% |
| CRONIN GERVINO & WARLICK INC3 | 5 DARTMOUTH DRIVE AUBURN, NH 03032 | AMERITAS LIFE INSURANCE CORPORATION | $2K | $0 | $2K | 5.41% |
| CGI EMPLOYEE BENEFITS GROUP3 Filed as: CGI BUSINESS SOLUTIONS | 5 DARTMOUTH DRIVE AUBURN, NH 03032 | HPHC INSURANCE COMPANY | $977 | $291 | $1K | 5.19% |
| CRONIN GERVINO & WARLICK INC3 | 5 DARTMOUTH DRIVE AUBURN, NH 03032 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $0 | $3K | 11.80% |
| COMBINED SERVICES LLC3 | 2 DELTA DRIVE, SUITE 301 CONCORD, NH 03301 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $0 | $1K | 5.00% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TEXAS HIGHWAY SOUTH BUILDING 2, SUITE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $301 | $301 | 1.36% |
| CRONIN GERVINO & WARLICK INC3 | 5 DARTMOUTH DRIVE AUBURN, NH 03032 | RED TREE INSURANCE COMPANY, INC. | $564 | $0 | $564 | 9.77% |
| COMBINED SERVICES LLC3 | PO BOX 1320 CONCORD, NH 03302 | RED TREE INSURANCE COMPANY, INC. | $85 | $0 | $85 | 1.47% |
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 | 181 | 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) | 181 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HARVARD PILGRIM HEALTH CARE OF NE INC - MA | 90 | $938K |
| Dental | AMERITAS LIFE INSURANCE CORPORATION | 182 | $44K |
| Vision | RED TREE INSURANCE COMPANY, INC. | 92 | $6K |
| Life insurance | COMPANION LIFE INSURANCE COMPANY | 181 | $55K |
| Short-term disability | COMPANION LIFE INSURANCE COMPANY | 181 | $55K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 40 | $22K |
| Prescription drug(2 contracts, 2 carriers) | HARVARD PILGRIM HEALTH CARE OF NE INC - MA | 90 | $938K |
| Other(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 181 | $77K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 182 | — |
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."
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.