| 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 | $61K | $19K | $81K | 10.40% |
| ALLEGIANT GLOBAL PARTNERS3 Filed as: ALLEGIANT GLOBAL PARTNERS INC. | 47 WINTER ST BOSTON, MA 02108 | AETNA LIFE INSURANCE COMPANY | $16K | $2K | $18K | 9.38% |
| ALLEGIANT GLOBAL PARTNERS3 Filed as: ALLEGIANT GLOBAL PARTNERS INC. | 47 WINTER STREET BOSTON, MA 02108 | AETNA LIFE INSURANCE COMPANY | $9K | $1K | $11K | 8.76% |
| ALEGIAN GLOBAL PARTNERS3 | 800 BOYLSTON ST 16TH FLOOR BOSTON, MA 02199 | ZURICH AMERICAN LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| ALLEGIANT GLOBAL PARTNERS3 | 800 BOYLSTON ST 16TH FLOOR BOSTON, MA 02199 | VISION SERVICE PLAN | $907 | — | $907 | 6.94% |
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 | 143 | 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) | 147 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | AETNA LIFE INSURANCE COMPANY | 170 | $1.1M |
| Dental(3 contracts) | AETNA LIFE INSURANCE COMPANY | 170 | $1.1M |
| Vision(4 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 170 | $1.1M |
| Life insurance | ZURICH AMERICAN LIFE INSURANCE COMPANY | 153 | $20K |
| Short-term disability | ZURICH AMERICAN LIFE INSURANCE COMPANY | 153 | $20K |
| Long-term disability | ZURICH AMERICAN LIFE INSURANCE COMPANY | 153 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 170 | — |
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.
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.