| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CGI EMPLOYEE BENEFITS GROUP3 | 5 DARTMOUTH DRIVE, SUITE 101 AUBURN, NH 03032 | HARVARD PILGRIM HEALTH CARE OF NE, INC. - MA | $26K | $0 | $26K | 4.70% |
| CGI EMPLOYEE BENEFITS GROUP3 | 5 DARTMOUTH DRIVE, SUITE 101 AUBURN, NH 03032 | HPHC INSURANCE COMPANY | $5K | $0 | $5K | 5.23% |
| LIAZON BENEFITS INC3 | 199 SCOTT STREET, 8TH FLOOR BUFFALO, NY 14204 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 5.00% |
| CRONIN GERVINO & WARLICK INC3 | 5 DARTMOUTH DRIVE, SUITE 101 AUBURN, NH 03032 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 4.24% |
| CRONIN GERVINO & WARLICK INC3 | 5 DARTMOUTH DRIVE, SUITE 101 AUBURN, NH 03032 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $299 | $3K | 15.64% |
| LIAZON BENEFITS INC3 | 199 SCOTT STREET, SUITE 800 BUFFALO, NY 14204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $739 | $26 | $765 | 3.68% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 101 HUNTINGTON AVENUE, SUITE 401 BOSTON, MA 02199 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $167 | $0 | $167 | 0.80% |
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 | 147 | 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) | 147 | 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 | 88 | $640K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 76 | $51K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 76 | $51K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 147 | $21K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 147 | $21K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 147 | $21K |
| Prescription drug(2 contracts, 2 carriers) | HARVARD PILGRIM HEALTH CARE OF NE, INC. - MA | 88 | $640K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 147 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 147 | — |
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.