| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CGI EMPLOYEE BENEFITS GROUP3 | 171 LONDONDERRY TURNPIKE HOOKSETT, MA 03106 | HARVARD PILGRIM HEALTH CARE OF NE, INC. - MA | $22K | $0 | $22K | 5.04% |
| CGI EMPLOYEE BENEFITS GROUP3 | 171 LONDONERRY TURNPIKE HOOKSETT, NH 03106 | HPHC INSURANCE COMPANY | $3K | $0 | $3K | 4.91% |
| LIAZON BENEFITS INC3 Filed as: LIAZON BENEFITS, INC. | 199 SCOTT ST. 8TH FLOOR BUFFALO, NY 14204 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 5.00% |
| CRONIN GERVINO & WARLICK INC3 Filed as: CRONIN GERVINO & WARLICK, INC. | 171 LONDONDERRY TURNPIKE HOOKSETT, NH 03106 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $306 | $2K | 4.69% |
| CRONIN GERVINO & WARLICK INC3 Filed as: CRONIN & GERVINO & WARLICK INC | 171 LONDONDERRY TNPK HOOKSETT, NH 03106 | UNUM LIFE INSURANCE COMPANY | $2K | $164 | $2K | 16.64% |
| LIAZON BENEFITS INC3 Filed as: LIAZON BENEFITS INC. | 199 SCOTT ST STE 800 BUFFALO, NY 14204 | UNUM LIFE INSURANCE COMPANY | $501 | $0 | $501 | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVE STE 401 BOSTON, MA 02199 | UNUM LIFE INSURANCE COMPANY | $171 | $28 | $199 | 1.99% |
| CRONIN GERVINO & WARLICK INC3 Filed as: CRONIN & GERVINO & WARLICK INC | 171 LONDONERRY TNPK HOOKSETT, NH 03106 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $578 | $72 | $650 | 11.25% |
| LIAZON BENEFITS INC3 | 199 SCOTT ST STE 800 BUFFALO, NY 14204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $289 | $0 | $289 | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVE. SUITE 401 BOSTON, MA 02199 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $57 | $7 | $64 | 1.11% |
| CRONIN GERVINO & WARLICK INC3 Filed as: CRONIN & GERVINO & WARLICK, INC. | 171 LONDONDERRY TURNPIKE HOOKSETT, NH 03106 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $491 | $62 | $553 | 11.19% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVE SUITE 401 BOSTON, MA 02199 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $137 | $2K | 38.10% |
| CRONIN GERVINO & WARLICK INC3 Filed as: CRONIN & GERVINO & WARLICK, INC. | 171 LONDONDERRY TNPK HOOKSETT, NH 03106 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $499 | $50 | $549 | 12.65% |
| LIAZON BENEFITS INC3 Filed as: LIAZON BENEFITS INC. | 199 SCOTT ST STE 800 BUFFALO, NY 14204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $469 | $0 | $469 | 10.80% |
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 | 169 | 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) | 169 | 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 | 75 | $510K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 60 | $43K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 60 | $43K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 169 | $11K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY | 34 | $10K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY | 169 | $15K |
| Prescription drug | HARVARD PILGRIM HEALTH CARE OF NE, INC. - MA | 75 | $439K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 169 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 169 | — |
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."
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.