| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CRONIN GERVINO & WARLICK INC3 Filed as: CRONIN, GERVINO, & WARLICK, INC. | 171 LONDONDERRY TURNPIKE RD. HOOKSETT, NH 03106 | MATTHEW THORNTON HEALTH PLAN, INC. | $35K | $47 | $35K | 6.51% |
| CRONIN GERVINO & WARLICK INC3 Filed as: CRONIN & GERVINO INSURANCE AGENCY | 171 LONDONDERRY TURNPIKE RD. HOOKSETT, NH 031061938 | AMERITAS LIFE INSURANCE CORP. | $3K | $0 | $3K | 5.16% |
| CRONIN GERVINO & WARLICK INC3 Filed as: CRONIN, GERVINO, & WARLICK, INC. | 171 LONDONDERRY TURNPIKE HOOKSETT, NH 03106 | ANTHEM HEALTH PLANS OF NEW HAMPSHIRE, INC. | $3K | $4 | $3K | 6.51% |
| CRONIN GERVINO & WARLICK INC3 Filed as: CRONIN, GERVINO, & WARLICK, INC. | 171 LONDONDERRY TURNPIKE RD. HOOKSETT, NH 03106 | COMPANION LIFE INSURANCE COMPANY | $4K | $0 | $4K | 15.00% |
| COMBINED SERVICES LLC3 | TWO DELTA DRIVE STE 301 CONCORD, NH 03301 | COMPANION LIFE INSURANCE COMPANY | $2K | $0 | $2K | 7.50% |
| CRONIN GERVINO & WARLICK INC3 Filed as: CRONIN, GERVINO, & WARLICK, INC. | 171 LONDONDERRY TURNPIKE RD. HOOKSETT, NH 03106 | COMPANION LIFE INSURANCE COMPANY | $1K | $0 | $1K | 12.77% |
| COMBINED SERVICES LLC3 | TWO DELTA DRIVE STE 301 CONCORD, NH 03301 | COMPANION LIFE INSURANCE COMPANY | $577 | $0 | $577 | 6.38% |
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 | 154 | 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) | 154 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | MATTHEW THORNTON HEALTH PLAN, INC. | 92 | $587K |
| Dental | AMERITAS LIFE INSURANCE CORP. | 193 | $50K |
| Life insurance(2 contracts) | COMPANION LIFE INSURANCE COMPANY | 154 | $36K |
| Short-term disability | COMPANION LIFE INSURANCE COMPANY | 54 | $27K |
| Long-term disability | COMPANION LIFE INSURANCE COMPANY | 54 | $27K |
| Prescription drug(2 contracts, 2 carriers) | MATTHEW THORNTON HEALTH PLAN, INC. | 92 | $587K |
| Other(2 contracts) | COMPANION LIFE INSURANCE COMPANY | 154 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 193 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.