| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CRONIN GERVINO & WARLICK INC3 Filed as: CRONIN GERVINO & WARLICK, INC | 5 DARMOUTH DR AUBURN, NH 030323984 | CIGNA HEALTH & LIFE INSURANCE COMPANY | — | $20K | $20K | 3.76% |
| CRONIN GERVINO & WARLICK INC3 Filed as: CRONIN GERVINO & WARLICK, INC | 5 DARMOUTH DR AUBURN, NH 030323984 | CIGNA HEALTH & LIFE INSURANCE COMPANY | $1K | $259 | $1K | 0.28% |
| CRONIN GERVINO & WARLICK INC3 Filed as: CRONIN GERVINO & WARLICK, INC | 5 DARMOUTH AUBURN, NH 030323984 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $57 | $1K | 15.62% |
| CRONIN GERVINO & WARLICK INC3 Filed as: CRONIN GERVINO & WARLICK, INC | 5 DARMOUTH DR AUBURN, NH 030323984 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $620 | $32 | $652 | 13.57% |
| CRONIN GERVINO & WARLICK INC3 Filed as: CRONIN GERVINO & WARLICK, INC | 5 DARMOUTH AUBURN, NH 030323984 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $719 | $28 | $747 | 15.59% |
| CRONIN GERVINO & WARLICK INC3 Filed as: CRONIN GERVINO & WARLICK, INC | 5 DARMOUTH DR AUBURN, NH 030323984 | RED TREE INSURANCE COMPANY, INC | $249 | — | $249 | 10.05% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES, LLC | PO BOX 1320 CONCORD, NH 033021320 | RED TREE INSURANCE COMPANY, INC | $37 | — | $37 | 1.49% |
| CRONIN GERVINO & WARLICK INC3 Filed as: CRONIN GERVINO & WARLICK, INC | 5 DARMOUTH DR AUBURN, NH 030323984 | STANDARD INSURANCE COMPANY | $4 | — | $4 | 4.08% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ASSUREDPARTNERS GSA NATIONAL EIN 36-4829385 PLAN ADMIN | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 4114 LEGATO RD SUITE 400 FAIRFAX, VA 22033 | $37K |
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 ADMINISTRATIVE FEES | Insurance brokerage commissions and fees; Contract Administrator; Consulting fees; Other insurance fees and expenses; Insurance services Service code 13 | 900 COTTAGE GROVE RD BLOOMFIELD, CT 06002 | $20K |
| FRYE & COMPANY, CPAS EIN 45-4199441 PLAN AUDITOR | Accounting (including auditing) Service code 10 | 9161 LIBERIA AVE SUITE 304 MANASSAS, VA 20110 | $18K |
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 | 65 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 65 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH & LIFE INSURANCE COMPANY | 68 | $521K |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH & LIFE INSURANCE COMPANY | 68 | $521K |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH & LIFE INSURANCE COMPANY | 71 | $524K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 62 | $5K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 40 | $9K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 39 | $5K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 62 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 71 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.