| 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 | $0 | $35K | 6.46% |
| CRONIN GERVINO & WARLICK INC3 Filed as: CRONIN & GERVINO INSURANCE AGENCY | 171 LONDONDERRY TURNPIKE RD. HOOKSETT, NH 031061938 | AMERITAS LIFE INSURANCE CORP. | $2K | $0 | $2K | 5.26% |
| CRONIN GERVINO & WARLICK INC3 Filed as: CRONIN, GERVINO, & WARLICK, INC. | 171 LONDONDERRY TURNPIKE HOOKSETT, NH 03106 | ANTHEM HEALTH PLANS OF NEW HAMPSHIRE, INC. | $2K | $0 | $2K | 6.01% |
| 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 ROAD HOOKSETT, NE 03106 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $0 | $1K | 10.00% |
| COMBINED SERVICES LLC3 | 2 DELTA DRIVE SUITE 301 CONCORD, NH 03301 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $565 | $0 | $565 | 5.00% |
| CRONIN GERVINO & WARLICK INC3 Filed as: CRONIN, GERVINO & WARLICK, INC. | 171 LONDONDERRY TURNPIKE ROAD HOOKSETT, NH 03106 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $0 | $1K | 15.00% |
| COMBINED SERVICES LLC3 | 2 DELTA DRIVE SUITE 301 CONCORD, NH 03301 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $397 | $0 | $397 | 5.00% |
| CRONIN GERVINO & WARLICK INC3 Filed as: CRONIN, GERVINO, & WARLICK, INC. | 171 LONDONDERRY TURNPIKE RD. HOOKSETT, NH 03106 | COMPANION LIFE INSURANCE COMPANY | $875 | $0 | $875 | 14.00% |
| COMBINED SERVICES LLC3 | TWO DELTA DRIVE STE 301 CONCORD, NH 03301 | COMPANION LIFE INSURANCE COMPANY | $438 | $0 | $438 | 7.01% |
| CRONIN GERVINO & WARLICK INC3 Filed as: CRONIN GERVINO & WARLICK, INC. | 171 LONDONDERRY TPKE #3 HOOKSETT, NH 03106 | UNION SECURITY INSURANCE COMPANY | $101 | $0 | $101 | 15.01% |
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 | 157 | 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) | 157 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | MATTHEW THORNTON HEALTH PLAN, INC. | 87 | $582K |
| Dental | AMERITAS LIFE INSURANCE CORP. | 165 | $42K |
| Life insurance | COMPANION LIFE INSURANCE COMPANY | 106 | $6K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 43 | $8K |
| Long-term disability(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 47 | $12K |
| Prescription drug(2 contracts, 2 carriers) | MATTHEW THORNTON HEALTH PLAN, INC. | 87 | $582K |
| Other(2 contracts) | COMPANION LIFE INSURANCE COMPANY | 106 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 165 | — |
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.