| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLEGIANT GLOBAL PARTNERS3 Filed as: ALLEGIANT GLOBAL PARTNERS INC | 47 WINTER STREET BOSTON, MA 02108 | AETNA LIFE INSURANCE COMPANY | $35K | $5K | $40K | 6.86% |
| ALLEGIANT GLOBAL PARTNERS3 Filed as: ALLEGIANT GLOBAL PARTNERS INC. | 47 WINTER ST BOSTON, MA 02108 | AETNA LIFE INSURANCE COMPANY | $13K | $2K | $15K | 8.32% |
| JOHN H BRIDE3 Filed as: JOHN H. BRIDE | 47 WINTER STREET 6TH FLOOR BOSTON, MA 02108 | ZURICH AMERICAN LIFE INSURANCE COMPANY | $10K | — | $10K | 10.00% |
| ALLEGIANT GLOBAL PARTNERS3 Filed as: ALLEGIANT GLOBAL PARTNERS INC. | 47 WINTER STREET BOSTON, MA 02108 | AETNA LIFE INSURANCE COMPANY | $6K | $1K | $7K | 8.22% |
| ALLEGIANT GLOBAL PARTNERS3 | 800 BOYLSTON ST 16TH FLOOR BOSTON, MA 02199 | VISION SERVICE PLAN | $802 | — | $802 | 6.98% |
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 | 141 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 144 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | AETNA LIFE INSURANCE COMPANY | 144 | $858K |
| Dental(3 contracts) | AETNA LIFE INSURANCE COMPANY | 144 | $858K |
| Vision(4 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 144 | $870K |
| Life insurance | ZURICH AMERICAN LIFE INSURANCE COMPANY | 141 | $98K |
| Long-term disability | ZURICH AMERICAN LIFE INSURANCE COMPANY | 141 | $98K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 144 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.