| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CGI EMPLOYEE BENEFITS GROUP3 Filed as: CGI BUSINESS SOLUTIONS | 171 LONDONDERRY TURNPIKE HOOKSETT, NH 03106 | HARVARD PILGRIM HEALTH CARE | $54K | $0 | $54K | 2.37% |
| CGI EMPLOYEE BENEFITS GROUP3 Filed as: CGI EMPLOYEE BENEFITS | 171 LONDONDERRY TURNPIKE HOOKSETT, NV 03106 | DELTA DENTAL PLAN OF NEW HAMPSHIRE,INC. | $8K | $0 | $8K | 4.26% |
| COMBINED SERVICES LLC3 | PO BOX 1320 CONCORD, NH 033021320 | DELTA DENTAL PLAN OF NEW HAMPSHIRE,INC. | $2K | $0 | $2K | 1.02% |
| CRONIN GERVINO & WARLICK INC3 Filed as: CRONIN & GERVINO & WARLICK, INC. | 171 LONDONDERRY TNPK HOOKSETT, NH 03106 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $1K | $8K | 11.34% |
| CRONIN GERVINO & WARLICK INC3 Filed as: CRONIN & CERVINO & WARLICK INC. | 171 LONDONDERRY TNPK HOOKSETT, NH 03106 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $648 | $6K | 15.86% |
| CRONIN GERVINO & WARLICK INC3 Filed as: CRONIN GERVINO & WARLICK, INC. | 171 LONDONDERRY TURNPIKE RD. HOOKSETT, NH 03106 | RED TREE INSURANCE COMPANY, INC. | $2K | $0 | $2K | 9.92% |
| COMBINED SERVICES LLC3 | PO BOX 1320 CONCORD, NH 033021320 | RED TREE INSURANCE COMPANY, INC. | $247 | $0 | $247 | 1.49% |
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 | 166 | 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) | 166 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HARVARD PILGRIM HEALTH CARE | 335 | $2.3M |
| Dental | DELTA DENTAL PLAN OF NEW HAMPSHIRE,INC. | 352 | $179K |
| Vision | RED TREE INSURANCE COMPANY, INC. | 345 | $17K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 111 | $67K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 65 | $40K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 111 | $67K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 111 | $67K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 352 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.