| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLEGIANT GLOBAL PARTNERS3 Filed as: ALLEGIANT GLOBAL PARTNERS, LLC | 855 BOYLSTON STREET 10TH FLOOR BOSTON, MA 02116 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $10K | $127K | $138K | 3.09% |
| ALLEGIANT GLOBAL PARTNERS3 | 800 BOYLSTON STREET BOSTON, MA 02199 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $158K | — | $158K | 7.97% |
| ALLEGIANT GLOBAL PARTNERS3 | 800 BOYLSTON STREET-16TH FLOOR BOSTON, MA 02199 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $15K | — | $15K | 8.00% |
| EMERSON REID LLC3 | 100 SUMMIT LAKE DRIVE VALHALLA, NY 10595 | HARTFORD LIFE AND ACCIDENT | $16K | $7K | $22K | 16.52% |
| ALLEGIANT GLOBAL PARTNERS3 | 800 BOYLSTON ST 16TH FLOOR BOSTON, MA 02199 | VISION SERVICE PLAN | $876 | — | $876 | 8.05% |
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 | 185 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 194 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 346 | $6.4M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 346 | $6.4M |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 171 | $4.5M |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 346 | $328K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 185 | $135K |
| Long-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 346 | $328K |
| Other(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 346 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 346 | — |
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.