| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CGI EMPLOYEE BENEFITS GROUP3 Filed as: CGI BUSINESS SOLUTIONS | 5 DARTMOUTH DRIVE AUBURN, NH 03032 | HARVARD PILGRIM HEALTH CARE OF NE, INC. - MA | $165K | $0 | $165K | 2.08% |
| CGI EMPLOYEE BENEFITS GROUP3 Filed as: CGI BUSINESS SOLUTIONS | 5 DARTMOUTH DRIVE AUBURN, NH 03032 | HARVARD PILGRIM HEALTH CARE OF NE, INC. - MA | $83K | $0 | $83K | 2.09% |
| CRONIN GERVINO & WARLICK INC3 | 5 DARTMOUTH DRIVE AUBURN, NH 03032 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $120K | $24K | $143K | 12.00% |
| COMBINED SERVICES LLC3 | 2 DELTA DRIVE, SUITE 301 CONCORD, NH 03301 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $60K | $17K | $76K | 6.39% |
| CGI EMPLOYEE BENEFITS GROUP3 Filed as: CGI BUSINESS SOLUTIONS | 5 DARTMOUTH DRIVE AUBURN, NH 03032 | HARVARD PILGRIM HEALTH CARE OF NE, INC. - MA | $19K | $0 | $19K | 2.16% |
| CGI EMPLOYEE BENEFITS GROUP3 Filed as: CGI BUSINESS SOLUTIONS | 5 DARTMOUTH DRIVE AUBURN, NH 03032 | HARVARD PILGRIM HEALTH CARE OF NE, INC. - MA | $19K | $0 | $19K | 2.10% |
| CRONIN GERVINO & WARLICK INC3 | 5 DARTMOUTH DRIVE AUBURN, NH 03032 | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | $24K | $0 | $24K | 3.64% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES INC | PO BOX 1320 CONCORD, NH 03302 | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | $312 | $0 | $312 | 0.05% |
| CRONIN GERVINO & WARLICK INC3 | 5 DARTMOUTH DRIVE AUBURN, NH 03032 | VISION SERVICE PLAN | $10K | $0 | $10K | 10.79% |
| CRONIN GERVINO & WARLICK INC3 | 171 LONDONDERRY TURNPIKE, UNIT 3 HOOKSETT, NJ 03106 | CONTINENTAL AMERICAN INSURANCE COMPANY | $30K | $0 | $30K | 57.37% |
| CRONIN GERVINO & WARLICK INC3 | 5 DARTMOUTH DRIVE AUBURN, NH 03032 | METLIFE LEGAL PLANS | $1K | $0 | $1K | 7.38% |
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 | 992 | 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) | 992 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts) | HARVARD PILGRIM HEALTH CARE OF NE, INC. - MA | 740 | $13.7M |
| Dental | DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | 1,339 | $646K |
| Vision | VISION SERVICE PLAN | 549 | $94K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 992 | $1.2M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 992 | $1.2M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 992 | $1.2M |
| Prescription drug(4 contracts) | HARVARD PILGRIM HEALTH CARE OF NE, INC. - MA | 740 | $13.7M |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 992 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,339 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.