| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP, INC. | 210 6TH AVENUE 30TH FLOOR PITTSBURGH, PA 15222 | SUN LIFE ASSURANCE COMPANY OF CANADA | $90K | — | $90K | 13.64% |
| TENTH DOT BENEFITS SOLUTIONS LLC3 | 3471 TREELINE DRIVE MURRYSVILLE, PA 15668 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | — | $5K | 0.73% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP | 210 SIXTH AVENUE 30TH FLOOR PITTSBURGH, PA 15222 | VISION BENEFITS OF AMERICA | $3K | — | $3K | 2.31% |
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 | 182 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 186 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION BENEFITS OF AMERICA | 882 | $117K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,425 | $660K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,425 | $660K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,425 | $660K |
| Stop-loss / reinsurancereinsurance(2 contracts) | HM LIFE INSURANCE COMPANY | 1,344 | $833K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,425 | $660K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,425 | — |
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.