| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLEGIANT GLOBAL PARTNERS3 Filed as: ALLEGIANT GLOBAL PARTNERS INC. | 47 WINTER STREET 6TH FLOOR BOSTON, MA 021084776 | AETNA INTERNATIONAL | $237K | $41K | $279K | 14.69% |
| ALLEGIANT GLOBAL PARTNERS3 | 800 BOYLSTON ST 16TH FLOOR BOSTON, MA 02199 | ZURICH AMERICAN LIFE INSURANCE COMPANY | $15K | — | $15K | 5.00% |
| ALLEGIANT GLOBAL PARTNERS3 | 800 BOYLSTON 16TH FL BOSTON, MA 02199 | VISION SERVICE PLAN | $1K | — | $1K | 4.57% |
| MARTY JOE TURNER3 Filed as: MARTY J TURNER | 209 WATERFORD DR CATAULA, GA 31804 | AFLAC | $31 | — | $31 | 3.26% |
| SEAN THOMAS PEARCE3 | 2555 WILSON AVE REDDING, CA 96002 | AFLAC | $29 | — | $29 | 3.05% |
| LES HEINSEN INS SERVICES INC3 Filed as: LES HEINSEN INS SERVICES, INC. | 4416 VIA PALAGIO FAIR OAKS, CA 95628 | AFLAC | $5 | — | $5 | 0.53% |
| AMY E COHEN3 Filed as: AMY MARIE LUDWICK | 316 BARBATO LN SACRAMENTO, CA 95814 | AFLAC | $2 | — | $2 | 0.21% |
| MICHAEL RHODD3 Filed as: MICHAEL JAMES RHOOD | 4160 GREEN VALLEY RD FAIRFIELD, CA 94534 | AFLAC | $2 | — | $2 | 0.21% |
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 | 189 | 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) | 198 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA INTERNATIONAL | 350 | $1.9M |
| Dental | AETNA INTERNATIONAL | 350 | $1.9M |
| Vision(2 contracts, 2 carriers) | AETNA INTERNATIONAL | 350 | $1.9M |
| Life insurance | ZURICH AMERICAN LIFE INSURANCE COMPANY | 200 | $297K |
| Short-term disability | ZURICH AMERICAN LIFE INSURANCE COMPANY | 200 | $297K |
| Long-term disability | ZURICH AMERICAN LIFE INSURANCE COMPANY | 200 | $297K |
| Other | AFLAC | 1 | $952 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 350 | — |
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.