| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLEGIANT GLOBAL PARTNERS3 | 800 BOYLSTON STREET 16TH FLOOR BOSTON, MA 02108 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $169K | $169K | 5.00% |
| ALLEGIANT GLOBAL PARTNERS3 Filed as: ALLEGIANT GLOBAL PARTNERS INC | 800 BOYLSTON STREET 16TH FLOOR BOSTON, MA 02199 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 15.00% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IA 46208 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $24 | $24 | 0.08% |
| ALLEGIANT GLOBAL PARTNERS3 | 800 BOYLSTON ST 16TH FL BOSTON, MA 02199 | VISION SERVICE PLAN | $1K | — | $1K | 5.84% |
| ALLEGIANT GLOBAL PARTNERS3 | 800 BOYLESTON ST - 18TH FL BOSTON, MA 02199 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $251 | — | $251 | 10.02% |
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 | 153 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 155 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 152 | $3.4M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 152 | $3.4M |
| Vision | VISION SERVICE PLAN | 125 | $20K |
| Life insurance | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 153 | $31K |
| Long-term disability | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 153 | $31K |
| Other(2 contracts, 2 carriers) | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 153 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 153 | — |
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."
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.