| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CRONIN GERVINO & WARLICK INC3 Filed as: CRONIN & GERVINO INSURANCE | 5 DARTHMOUTH DRIVE AUBURN, NH 03032 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | $31K | $34K | 4.05% |
| CRONIN GERVINO & WARLICK INC3 Filed as: CRONIN & GERVINO INSURANCE | 5 DARTHMOUTH DR. AUBURN, NH 03032 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | — | $4K | 10.12% |
| CRONIN GERVINO & WARLICK INC3 | 5 DARTHMOUTH DR. AUBURN, NH 03032 | RED TREE INSURANCE COMPANY, INC. | $503 | — | $503 | 10.25% |
| COMBINED SERVICES LLC3 | PO BOX 1320 CONCORD, NH 033021320 | RED TREE INSURANCE COMPANY, INC. | $75 | — | $75 | 1.53% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ASSURED PARTNERS 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 | $49K |
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 ADMINISTRATIVE FEES | Insurance services; Other insurance fees and expenses; Contract Administrator; Consulting fees Service code 13 | 900 COTTAGE GROVE RD BLOOMFIELD, CT 06002 | $31K |
| AAFCPAS, INC. EIN 04-2571780 TAX PREPARER | Accounting (including auditing) Service code 10 | 50 WASHINGTON STREET WESTBOROUGH, MA 01581 | $6K |
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 | 209 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 209 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 93 | $830K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 93 | $830K |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 106 | $834K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 150 | $44K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 150 | $44K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 150 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 150 | — |
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.