| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP, INC. | 2730 SIDNEY STREET, SUITE 330 PITTSBURGH, PA 15203 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $15K | $23K | $38K | 25.16% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BOULEVARD, 2ND FLOOR HAUPPAUGE, NY 11788 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $8K | $8K | 5.06% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP, INC. | 575 A SUNBURY ROAD DELAWARE, OH 43015 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $254 | $2K | 23.81% |
| LIFETIME FINANCIAL GROWTH3 Filed as: LIFETIME FINANCIAL GROWTH COMPANY | UNKNOWN GAHANNA, OH 43230 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $27 | $0 | $27 | 0.41% |
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 | 234 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 234 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL | 192 | $1.3M |
| Dental | DELTA DENTAL OF OHIO | 279 | $85K |
| Vision | DELTA DENTAL OF OHIO | 279 | $85K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 234 | $150K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 234 | $150K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 234 | $150K |
| Prescription drug | MEDICAL MUTUAL | 192 | $1.3M |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 234 | $157K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 279 | — |
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.