| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CGI EMPLOYEE BENEFITS GROUP3 | 171 LONDONDERRY TURNPIKE HOOKSETT, NH 03106 | HARVARD PILGRIM HEALTH CARE | $23K | $0 | $23K | 2.94% |
| SAPERS & WALLACK3 Filed as: SAPERS & WALLACK, INC. | 275 WASHINGTON STREET SUITE 205 NEWTON, MA 02458 | HARVARD PILGRIM HEALTH CARE | $273 | $0 | $273 | 0.03% |
| CGI EMPLOYEE BENEFITS GROUP3 | 171 LONDONDERRY TURNPIKE HOOKSETT, NH 03106 | HARVARD PILGRIM HEALTH CARE | $11K | $0 | $11K | 2.94% |
| SAPERS & WALLACK3 Filed as: SAPERS & WALLACK, INC. | 275 WASHINGTON STREET SUITE 205 NEWTON, MA 02458 | HARVARD PILGRIM HEALTH CARE | $129 | $0 | $129 | 0.03% |
| CRONIN GERVINO & WARLICK INC3 Filed as: CRONIN GERVINO & WARLICK INC. | 1193 HOOKSETT ROAD HOOKSETT, NH 03106 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 2.88% |
| SAPERS & WALLACK3 Filed as: SAPERS & WALLACK INS AGENCY | 275 WASHINGTON STREET SUITE 205 NEWTON, MA 02458 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $2K | $2K | 1.78% |
| LIVING LEGACY FINANCIAL GROUP3 Filed as: LIVING LEGACY FINANCIAL GROUP, INC. | ONE CORPORATE PLACE 55 FERNCROFT RD SUITE 201 DANVERS, MA 01923 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $13 | $0 | $13 | 0.01% |
| CGI EMPLOYEE BENEFITS GROUP3 | 171 LONDONDERRY TURNPIKE HOOKSETT, NH 03106 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 8.30% |
| SAPERS & WALLACK3 Filed as: SAPERS & WALLACK INC. | 275 WASHINGTON STREET SUITE 205 NEWTON, MA 02458 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $355 | $0 | $355 | 1.28% |
| CGI EMPLOYEE BENEFITS GROUP3 | 171 LONDONDERRY TURNPIKE HOOKSETT, NH 03106 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 12.10% |
| SAPERS & WALLACK3 Filed as: SAPERS & WALLACK, INC. | 275 WASHINGTON STREET SUITE 205 NEWTON, MA 02458 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $610 | $0 | $610 | 2.34% |
| CGI EMPLOYEE BENEFITS GROUP3 | 171 LONDONDERRY TURNPIKE HOOKSETT, NH 03106 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 8.79% |
| SAPERS & WALLACK3 Filed as: SAPERS & WALLACK, INC. | 275 WASHINGTON STREET SUITE 205 NEWTON, MA 02458 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $386 | $0 | $386 | 2.01% |
| CRONIN GERVINO & WARLICK INC3 Filed as: CRONIN & GERVINO INSURANCE & INVEST | 171 LONDONDERRY TPKE HOOKSETT, NH 031061977 | VISION SERVICE PLAN | $1K | $0 | $1K | 5.72% |
| CGI EMPLOYEE BENEFITS GROUP3 | 171 LONDONDERRY TURNPIKE HOOKSETT, NH 03106 | HARVARD PILGRIM HEALTH CARE | $292 | $0 | $292 | 2.94% |
| SAPERS & WALLACK3 Filed as: SAPERS & WALLACK, INC. | 275 WASHINGTON STREET SUITE 205 NEWTON, MA 02458 | HARVARD PILGRIM HEALTH CARE | $3 | $0 | $3 | 0.03% |
| CGI EMPLOYEE BENEFITS GROUP3 | 171 LONDONDERRY TURNPIKE HOOKSETT, NH 03106 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $359 | $0 | $359 | 11.09% |
| SAPERS & WALLACK3 Filed as: SAPERS & WALLACK,INC. | 275 WASHINGTON STREET SUITE 205 NEWTON, MA 02458 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $88 | $0 | $88 | 2.72% |
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 | 151 | 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) | 152 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | HARVARD PILGRIM HEALTH CARE | 211 | $1.2M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 108 | $93K |
| Vision | VISION SERVICE PLAN | 100 | $18K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $28K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $19K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $26K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 211 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.