Form 5500 · Employee benefit plan · MANCHESTER, NH
NORTHERN NEW ENGLAND BENEFIT TRUST DBA ALLEGIANT CARE
Public Form 5500 records show how NORTHERN NEW ENGLAND BENEFIT TRUST DBA ALLEGIANT CARE of MANCHESTER, NH, a transportation and logistics employer, structures its employee benefits. Its broker of record is JOHN SCOTT NICOLAS. Coverage is written through HARTFORD LIFE AND ACCIDENT and 1 other carrier. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 02-6015031 · plan 501 · plan year 2025, filed Jun 8, 2026
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287 other employer plans in New Hampshire have policy years ending in December. See the full list on the renewal calendar, or ask for it in Claude or ChatGPT.
How this plan is funded
Both, as reported
The medical insurance contracts on the filing cover fewer than half the people in the plan, so the rest is paid another way.
A stop-loss policy appears on a Form 5500 only when the plan itself is the beneficiary, or the premiums are paid from plan money. Many employers buy stop-loss and never report it here. So a plan with no stop-loss on its filing may still have it.
Benefits declared on this filing
Health: BCBS OF MA covers 652 of 17,799 participants (3.7%) on Schedule A.
Also declared: prepaid legal, death benefits.
Declared benefits are the plan’s own line 8b codes on Form 5500. “Not on Schedule A” means no insured contract for that line appears on this filing. That usually means the benefit is self-funded, or it sits under a different plan number.
Persons covered is the count the carrier filed for that policy at the end of its policy year, and it can include dependents. Participants is the plan's own count at the start of its plan year. The two count different people, so a covered figure can be larger.
Plan brief
Schedule A lists 2 insured contracts covering health, life and disability; the largest, with HARTFORD LIFE AND ACCIDENT, covers 10,034 people.
The filing declares health, life, disability, dental and vision. Dental and vision appear with no insured contract on Schedule A. That coverage may be self-funded, or placed with a carrier that is not on this filing.
Reported premium across the insured contracts is $5,194,028, with $220,594 in disclosed broker commissions — about 4.2% of premium.
The health contract's policy period ended in December, while at least one ancillary line's policy period ended in June. The plan is on a split renewal cycle.
JOHN SCOTT NICOLAS is the broker of record on 1 of the 2 contracts; the rest name a different broker or none.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| HARTFORD LIFE AND ACCIDENT | Life, Disability | 10,034 | Jul 1, 2025 | $3,828,228 | $220,594 |
| BCBS OF MA | Health | 652 | Jan 1, 2025 | $1,365,800 | $0 |
Premium and claims on this contract
BCBS OF MA, contract 4018594. For the contract year on this filing, the carrier reported $1,365,800 in premium earned and $1,211,795 in claims incurred. Dividing one by the other gives 89%.
- BCBS OF MA, contract 4018594 reported $154,005 in retention.
Retention is what the carrier kept of the premium after claims, as reported: administration, commissions and other charges.
Only experience-rated contracts report these figures, so most filings leave them blank.
Covered = persons covered at policy year end, as filed on Schedule A for that policy — often certificates or one class, not the whole plan. Premium = the filing’s own premium/charges figure; “—” means not credibly reported.
Administrator and service providers
The plan administrator is from line 3a of the main form. The service providers are named on Schedule C of this filing. We publish company names only.
Money the plan held and paid out
Sourced from U.S. DOL EFAST2 Form 5500 · Schedule H
These are the plan's own figures from Schedule H, the financial statement it files. They are not the premium on Schedule A.
How this plan compares
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Renewal calendar
287 other employer plans in New Hampshire are January 1 renewals (policy year ends December).
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