| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CRONIN GERVINO & WARLICK INC3 Filed as: CRONIN GERVINO & WARLICK, INC | 171 LONDONDERRY TPKE UNIT 3 HOOKSETT, NH 031061977 | ANTHEM HEALTH PLANS OF NEW HAMPSHIRE, INC | $31K | $3K | $34K | 6.15% |
| CRONIN GERVINO & WARLICK INC3 Filed as: CRONIN GERVINO & WARLICK, INC | 171 LONDONDERRY TPKE UNIT 3 HOOKSETT, NH 031061977 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $4K | $6K | 14.26% |
| CRONIN GERVINO & WARLICK INC3 Filed as: CRONIN GERVINO & WARLICK, INC | 171 LONDONDERRY TPKE UNIT 3 HOOKSETT, NH 031061977 | MATTHEW THORNTON HEALTH PLAN, INC | $2K | $222 | $2K | 6.15% |
| CRONIN GERVINO & WARLICK INC3 Filed as: CRONIN GERVINO & WARLICK, INC | 171 LONDONDERRY TPKE UNIT 3 HOOKSETT, NH 031061977 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $2K | $4K | 15.59% |
| CRONIN GERVINO & WARLICK INC3 Filed as: CRONIN GERVINO & WARLICK, INC | 171 LONDONDERRY TPKE UNIT 3 HOOKSETT, NH 031061977 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 13.68% |
| CRONIN GERVINO & WARLICK INC3 Filed as: CRONIN GERVINO & WARLICK, INC | 171 LONDONDERRY TURNPIKE RD HOOKSETT, NH 031061977 | RED TREE INSURANCE COMPANY, INC | $942 | — | $942 | 10.64% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES, LLC | PO BOX 1320 CONCORD, NH 033021320 | RED TREE INSURANCE COMPANY, INC | $141 | — | $141 | 1.59% |
| CRONIN GERVINO & WARLICK INC3 Filed as: CRONIN GERVINO & WARLICK, INC | 171 LONDONDERRY TPKE UNIT 3 HOOKSETT, NH 031061977 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 13.53% |
| CRONIN GERVINO & WARLICK INC3 Filed as: CRONIN GERVINO & WARLICK, INC | 171 LONDONDERRY TPKE UNIT 3 HOOKSETT, NH 031061977 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $788 | — | $788 | 10.40% |
| CRONIN GERVINO & WARLICK INC3 Filed as: CRONIN GERVINO & WARLICK, INC | 171 LONDONDERRY TPKE UNIT 3 HOOKSETT, NH 031061977 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $795 | — | $795 | 11.67% |
| CRONIN GERVINO & WARLICK INC3 Filed as: CRONIN GERVINO & WARLICK, INC | 171 LONDONDERRY TPKE UNIT 3 HOOKSETT, NH 031061977 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $931 | — | $931 | 13.67% |
| CRONIN GERVINO & WARLICK INC3 Filed as: CRONIN GERVINO & WARLICK, INC | 171 LONDONDERRY TPKE UNIT 3 HOOKSETT, NH 031061977 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $646 | — | $646 | 13.59% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| GOVERNMENT SERVICE ADMINISTRATORS EIN 11-3335620 PLAN ADMIN | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 11320 RANDOM HILLS DRIVE SUITE 115 FAIRFAX, VA 22030 | $73K |
| FRYE & COMPANY, CPAS EIN 45-4199441 PLAN AUDITOR | Accounting (including auditing) Service code 10 | 9161 LIBERIA AVE SUITE 304 MANASSAS, VA 20110 | $0 |
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 | 270 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 270 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | ANTHEM HEALTH PLANS OF NEW HAMPSHIRE, INC | 100 | $1.1M |
| Dental(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 97 | $69K |
| Vision(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF NEW HAMPSHIRE, INC | 174 | $567K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 97 | $14K |
| Short-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 45 | $18K |
| Long-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 47 | $12K |
| Other(4 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 97 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 174 | — |
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.