| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CGI EMPLOYEE BENEFITS GROUP3 | 171 LONDONDERRY TURNPIKE ROAD HOOKSETT, NH 03106 | HARVARD PILGRIM HEALTH CARE OF NE, INC. - MA | $21K | $0 | $21K | 5.38% |
| CGI EMPLOYEE BENEFITS GROUP3 | 171 LONDONDERRY TURNPIKE RD. HOOKSETT, NH 03106 | HARVARD PILGRIM HEALTH CARE OF NE, INC. - MA | $15K | $0 | $15K | 5.24% |
| CRONIN GERVINO & WARLICK INC3 Filed as: CRONIN & GERVINO INSURANCE AGENCY | 171 LONDONDERRY TURNPIKE RD. HOOKSETT, NH 031061938 | AMERITAS LIFE INSURANCE CORP. | $3K | $145 | $3K | 5.15% |
| CRONIN GERVINO & WARLICK INC3 Filed as: CRONIN, GERVINO, & WARLICK, INC. | 171 LONDONDERRY TURNPIKE RD. HOOKSETT, NH 03106 | COMPANION LIFE INSURANCE COMPANY | $5K | $0 | $5K | 15.00% |
| COMBINED SERVICES LLC3 | TWO DELTA DRIVE STE 301 CONCORD, NH 03301 | COMPANION LIFE INSURANCE COMPANY | $3K | $0 | $3K | 7.50% |
| CGI EMPLOYEE BENEFITS GROUP3 | 171 LONDONDERRY TURNPIKE HOOKSETT, NH 03106 | HPHC INSURANCE COMPANY | $2K | $0 | $2K | 5.93% |
| 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 | $575 | $0 | $575 | 6.39% |
| CRONIN GERVINO & WARLICK INC3 Filed as: CRONIN GERVINO & WARLICK, INC. | 171 LONDONDERRY TURNPIKE ROAD HOOKSETT, NH 03106 | RED TREE INSURANCE COMPANY, INC. | $631 | $0 | $631 | 9.16% |
| COMBINED SERVICES LLC3 | PO BOX 1320 CONCORD, NH 03302 | RED TREE INSURANCE COMPANY, INC. | $95 | $0 | $95 | 1.38% |
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 | 171 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 172 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | HARVARD PILGRIM HEALTH CARE OF NE, INC. - MA | 64 | $698K |
| Dental | AMERITAS LIFE INSURANCE CORP. | 184 | $53K |
| Vision | RED TREE INSURANCE COMPANY, INC. | 91 | $7K |
| Life insurance | COMPANION LIFE INSURANCE COMPANY | 148 | $9K |
| Other(2 contracts) | COMPANION LIFE INSURANCE COMPANY | 148 | $45K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 184 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.