| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CRONIN GERVINO & WARLICK INC3 Filed as: CRONIN & GERVINO INSURANCE | 5 DARTMOUTH DRIVE AUBURN, NH 03032 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $817 | $66K | $66K | 2.01% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $682 | $38K | $38K | 1.16% |
| CRONIN GERVINO & WARLICK INC3 Filed as: CRONIN & GERVINO INSURANCE | 5 DARTMOUTH DRIVE AUBURN, NH 03032 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $7K | $0 | $7K | 3.18% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $4K | $84 | $4K | 1.82% |
| CRONIN GERVINO & WARLICK INC3 Filed as: CRONIN, DANIEL F | 63 COLEMAN ROAD AUBURN, NH 03032 | FIRST UNUM LIFE INSURANCE COMPANY | $9K | $2K | $11K | 8.19% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | FIRST UNUM LIFE INSURANCE COMPANY | $6K | $1K | $7K | 5.29% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE STREET MORRIS, IL 60450 | FIRST UNUM LIFE INSURANCE COMPANY | $3K | $2K | $5K | 3.81% |
| FORGIONE, BENANTONIO S3 | 131 TEMPLE AVENUE, #21 OLD ORCHARD BEACH, ME 04064 | FIRST UNUM LIFE INSURANCE COMPANY | $5K | $0 | $5K | 3.41% |
| CRONIN GERVINO & WARLICK INC3 Filed as: CRONIN, DANIEL F | 63 COLEMAN ROAD AUBURN, NH 03032 | FIRST UNUM LIFE INSURANCE COMPANY | $4K | $465 | $4K | 13.01% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | $297 | $2K | 6.51% |
| FORGIONE, BENANTONIO S3 | 131 TEMPLE AVENUE, #21 OLD ORCHARD BEACH, ME 04064 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | $0 | $1K | 3.64% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE STREET MORRIS, IL 60450 | FIRST UNUM LIFE INSURANCE COMPANY | $594 | $476 | $1K | 3.35% |
| CRONIN GERVINO & WARLICK INC3 Filed as: CRONIN, DANIEL F | 63 COLEMAN ROAD AUBURN, NH 03032 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $1K | $0 | $1K | 6.97% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $444 | $0 | $444 | 3.04% |
| CRONIN GERVINO & WARLICK INC3 Filed as: CRONIN, DANIEL F | 63 COLEMAN ROAD AUBURN, NH 03032 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $520 | $209 | $729 | 6.76% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE STREET MORRIS, IL 60450 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $31 | $0 | $31 | 0.29% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $20 | $10 | $30 | 0.28% |
| CRONIN GERVINO & WARLICK INC3 Filed as: CRONIN, DANIEL F | 63 COLEMAN ROAD AUBURN, NH 03032 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $509 | $204 | $713 | 6.74% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $19 | $10 | $29 | 0.27% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE STREET MORRIS, IL 60450 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $27 | $0 | $27 | 0.26% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | HARTFORD FIRE INSURANCE COMPANY | $0 | $650 | $650 | 16.99% |
| CGI EMPLOYEE BENEFITS GROUP3 Filed as: CGI BUSINESS SOLUTIONS | 100 CUMMINGS CENTER, SUITE 335A BEVERLY, MA 01915 | HARTFORD FIRE INSURANCE COMPANY | $574 | $0 | $574 | 15.01% |
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 | 234 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 238 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 372 | $3.3M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 231 | $216K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 372 | $3.3M |
| Life insurance(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 231 | $164K |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 231 | $132K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 231 | $132K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 372 | $3.3M |
| Other(6 contracts, 3 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 234 | $204K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 372 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.