| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TENTH DOT BENEFITS SOLUTIONS LLC3 Filed as: TENTH DOT BENEFIT SOLUTIONS LLC | FOUR GATEWAY CENTER 444 LIBERTY AVENUE, STE 750 PITTSBURGH, PA 15222 | SUN LIFE ASSURANCE COMPANY OF CANADA | $33K | — | $33K | 14.99% |
| TENTH DOT BENEFITS SOLUTIONS LLC3 Filed as: TENTH DOT BENEFITS SOLUTIONS, LLC | 4 GATEWAY CENTER, SUITE 750 444 LIBERTY AVENUE PITTSBURGH, PA 15222 | SUN LIFE ASSURANCE COMPANY OF CANADA | $19K | — | $19K | 9.47% |
| TENTH DOT BENEFITS SOLUTIONS LLC3 | 444 LIBERTY AVENUE SUITE 750 PITTSBURGH, PA 15222 | VISION BENEFITS OF AMERICA | $3K | — | $3K | 2.34% |
| TENTH DOT BENEFITS SOLUTIONS LLC3 | FOUR GATEWAY CENTER 444 LIBERTY AVENUE, STE 750 PITTSBURGH, PA 15222 | SUN LIFE ASSURANCE COMPANY OF CANADA | $9K | — | $9K | 15.20% |
| TENTH DOT BENEFITS SOLUTIONS LLC3 Filed as: TENTH DOT BENEFITS SOLUTIONS, LLC | FOUR GATEWAY CENTER 444 LIBERTY AVENUE, STE 750 PITTSBURGH, PA 15222 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 15.00% |
| HHM BENEFITS SERVICES LLC3 Filed as: HHM BENEFIT SERVICES, LLC | PO BOX 1138 MOON TOWNSHIP, PA 151086138 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 9.52% |
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 | 258 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 26 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 284 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 78 | $17K |
| Vision | VISION BENEFITS OF AMERICA | 788 | $113K |
| Life insurance(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,679 | $421K |
| Short-term disability(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,620 | $222K |
| Long-term disability(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,620 | $258K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | HIGHMARK CASUALTY INSURANCE | 1,434 | $540K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,620 | $202K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,679 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.