| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP INC | 210 6TH AVENUE 30TH FLOOR PITTSBURGH, PA 15222 | HIGHMARK INC | $43K | — | $43K | 3.99% |
| ASSUREDPARTNERS Filed as: THE HDH GROUP INC | 210 6TH AVE, 30TH FLOOR PITTSBURGH, PA 15222 | HIGHMARK INC | $5K | — | $5K | 9.38% |
| ROGERS BENEFIT GROUP INC3 Filed as: ANDREW ROGERS INSURANCE AGENCY | 651 HOLIDAY DRIVE, FOSTER PLZ V PITTSBURGH, PA 15220 | NATIONWIDE LIFE INSURANCE COMPANY | $2K | — | $2K | 8.94% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP INC | 210 6TH AVE FK 30 PITTSBURGH, PA 15222 | NATIONWIDE LIFE INSURANCE COMPANY | $458 | — | $458 | 2.50% |
| ASSUREDPARTNERS Filed as: THE HDH GROUP INC | 210 6TH AVE, 30TH FLOOR PITTSBURGH, PA 15222 | HIGHMARK INC | $607 | — | $607 | 4.01% |
| ANDREW F RODGERS INS AGCY INC3 Filed as: ANDREW RODGER INSURANCE AGENCY | 651 HOLIDAY DR. FOSTER PLZ V PITTSBURGH, PA 15220 | NATIONWIDE LIFE INSURANCE COMPANY | $112 | — | $112 | 15.05% |
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 | 203 | 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) | 203 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK INC | 190 | $1.1M |
| Dental | HIGHMARK INC | 175 | $58K |
| Vision | HIGHMARK INC | 203 | $15K |
| Life insurance(2 contracts) | NATIONWIDE LIFE INSURANCE COMPANY | 204 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 204 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.