| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CGI EMPLOYEE BENEFITS GROUP3 | 171 LONDONDERRY TPKE HOOKSETT, NH 031061977 | HARVARD PILGRIM HEALTH CARE OF NE INC. - MA | $9K | $0 | $9K | 3.96% |
| CRONIN GERVINO & WARLICK INC3 | 171 LONDONDERRY TURNPIKE HOOKSETT, NH 03106 | STANDARD INSURANCE COMPANY | $395 | $0 | $395 | 2.58% |
| CRONIN GERVINO & WARLICK INC3 Filed as: CRONIN GERVIN & WARLICK, INC | 171 LONDONDERRY TURNPIKE HOOKSETT, NH 03106 | STANDARD INSURANCE COMPANY | $539 | $0 | $539 | 5.33% |
| CRONIN GERVINO & WARLICK INC3 Filed as: CRONIN GERVINO & WARLICK, INC. | 171 LONDONDERRY TURNPIKE HOOKSETT, NE 03106 | STANDARD INSURANCE COMPANY | $434 | $0 | $434 | 4.66% |
| CRONIN GERVINO & WARLICK INC3 Filed as: CRONIN GERVINO & WARLICK, INC. | 171 LONDONDERRY TURNPIKE HOOKSETT, NE 03106 | STANDARD INSURANCE COMPANY | $330 | $0 | $330 | 6.10% |
| CRONIN GERVINO & WARLICK INC3 Filed as: CRONIN GERVINO & WARLICK, INC. | 171 LONDONDERRY TURNPIKE HOOKSETT, NH 03106 | STANDARD INSURANCE COMPANY | $212 | $0 | $212 | 10.00% |
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 | 149 | 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) | 149 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HARVARD PILGRIM HEALTH CARE OF NE INC. - MA | 132 | $221K |
| Dental | STANDARD INSURANCE COMPANY | 66 | $15K |
| Vision | STANDARD INSURANCE COMPANY | 60 | $2K |
| Life insurance | STANDARD INSURANCE COMPANY | 140 | $5K |
| Short-term disability | STANDARD INSURANCE COMPANY | 137 | $9K |
| Long-term disability | STANDARD INSURANCE COMPANY | 137 | $10K |
| Prescription drug | HARVARD PILGRIM HEALTH CARE OF NE INC. - MA | 132 | $221K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 140 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.