| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CGI EMPLOYEE BENEFITS GROUP3 Filed as: CGI EMPLOYEE BENEFITS | 171 LONDONDERRY TURNPIKE HOOKSETT, NV 03106 | DELTA DENTAL PLAN OF NEW HAMPSHIRE,INC. | $2K | $0 | $2K | 4.05% |
| COMBINED SERVICES LLC3 | PO BOX 1320 CONCORD, NH 033021320 | DELTA DENTAL PLAN OF NEW HAMPSHIRE,INC. | $586 | $0 | $586 | 0.97% |
| CGI EMPLOYEE BENEFITS GROUP3 Filed as: CGI BUSINESS SOLUTIONS | 171 LONDONDERRY TURNPIKE HOOKSETT, NH 03106 | DELTA DENTAL OF NJ, INC. | $10K | $0 | $10K | 19.21% |
| CRONIN GERVINO & WARLICK INC3 Filed as: CRONIN & GERVINO & WARLICK, INC. | 171 LONDONDERRY TNPK HOOKSETT, NH 03106 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $597 | $5K | 14.22% |
| CGI EMPLOYEE BENEFITS GROUP3 Filed as: CGI EMPLOYEE BENEFITS | 171 LONDONDERRY TURNPIKE HOOKSETT, NH 03106 | DELTA DENTAL PLAN OF NEW HAMPSHIRE,INC. | $1K | $0 | $1K | 5.09% |
| COMBINED SERVICES LLC3 | PO BOX 1320 CONCORD, NH 033021320 | DELTA DENTAL PLAN OF NEW HAMPSHIRE,INC. | $244 | $0 | $244 | 0.84% |
| CRONIN GERVINO & WARLICK INC3 Filed as: CRONIN & CERVINO & WARLICK INC. | 171 LONDONDERRY TNPK HOOKSETT, NH 03106 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $331 | $3K | 16.65% |
| CRONIN GERVINO & WARLICK INC3 Filed as: CRONIN & GERVINO INS. & INVESTMENTS | 171 LONDONDERRY TURNPIKE HOOKSETT, NH 031061977 | VISION SERVICE PLAN | $676 | $0 | $676 | 7.93% |
| COMBINED SERVICES LLC3 | PO BOX 1320 CONCORD, NH 033021320 | RED TREE INSURANCE COMPANY, INC. | $79 | $0 | $79 | 1.20% |
| CRONIN GERVINO & WARLICK INC3 Filed as: CRONIN GERVINO & WARLICK, INC. | 171 LONDONDERRY TURNPIKE RD. HOOKSETT, NH 03106 | RED TREE INSURANCE COMPANY, INC. | $29 | $0 | $29 | 0.44% |
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 | 185 | 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) | 186 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(3 contracts, 2 carriers) | DELTA DENTAL PLAN OF NEW HAMPSHIRE,INC. | 341 | $142K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 329 | $15K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 182 | $33K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 105 | $18K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 182 | $33K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 182 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 341 | — |
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.