| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLEGIANT GLOBAL PARTNERS3 Filed as: ALLEGIANT GLOBAL PARTNERS INC. | 47 WINTER ST BOSTON, MA 02108 | AETNA LIFE INSURANCE COMPANY | $214K | $54K | $269K | 9.31% |
| EMERSON REID LLC3 Filed as: EMERSON REID & C0 | 1787 SENTRY PARKWAY W STE 320 BLDG 16 BLUE BELL, PA 19422 | METROPOLITAN LIFE INSURANCE COMPANY | $18K | $2K | $20K | 6.38% |
| ALLEGIANT GLOBAL PARTNERS3 Filed as: ALLEGIANT GLOBAL PARTNERS INC. | 800 BOYLSTON ST FL 16 BOSTON, MA 021997637 | METROPOLITAN LIFE INSURANCE COMPANY | $19K | — | $19K | 6.05% |
| ALLEGIANT GLOBAL PARTNERS3 Filed as: ALLEGIANT GLOBAL PARTNERS, INC. | 47 WINTER ST BOSTON, MA 02108 | AETNA LIFE INSURANCE COMPANY | $3K | $893 | $4K | 9.78% |
| ALLEGIANT GLOBAL PARTNERS3 Filed as: ALLEGIANT GLOBAL PARTNERS INC. | 47 WINTER STREET BOSTON, MA 02108 | AETNA LIFE INSURANCE COMPANY | $2K | $393 | $2K | 8.52% |
| ALLEGIANT GLOBAL PARTNERS3 | 800 BOYLSTON ST 16TH FL BOSTON, MA 02199 | VISION SERVICE PLAN | $2K | — | $2K | 15.02% |
| ALLEGIANT GLOBAL PARTNERS3 | 800 BOYLSTON STREET FL 16 BOSTON, MA 02199 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO | $678 | $0 | $678 | 10.00% |
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 | 130 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | AETNA LIFE INSURANCE COMPANY | 218 | $3.0M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 253 | $318K |
| Vision | VISION SERVICE PLAN | 131 | $13K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 253 | $318K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 253 | $318K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 253 | $318K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 253 | $325K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 253 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.