| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP INC | 2730 SIDNEY ST STE 330 PITTSBURGH, PA 15203 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | — | $13K | 15.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | PO BOX 2167 GRAND RAPIDS, MI 49501 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 2.00% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP INC | 2730 SIDNEY ST STE 330 PITTSBURGH, PA 15203 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | — | $12K | 15.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | PO BOX 2167 GRAND RAPIDS, MI 49501 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 2.00% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP INC | 2730 SIDNEY ST STE 330 PITTSBURGH, PA 15203 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | — | $10K | 15.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | PO BOX 2167 GRAND RAPIDS, MI 49501 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 2.00% |
| BYERLY INSURANCE AGENTS3 Filed as: BYERLY INSURANCE AGENTS & BROK | 525 N 12TH ST LEMOYNE, PA 170430525 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 9.18% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP, INC | 210 SIXTH AVENUE, 30TH FLOOR PITTSBURGH, PA 15222 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 13.00% |
| ROYAL OAK BENEFITS INVSTMTS LLC3 Filed as: ROYAL OAK BENEFITS & INVESTMENTS LL | 3909 WASHINGTON ROAD SUITE 311 MCMURRAY, PA 15317 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $193 | — | $193 | 3.00% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP INC | 210 SIXTH AVE 30TH FLOOR PITTSBURGH, PA 15222 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $129 | — | $129 | 2.01% |
| PIERCE, DWIGHT, L3 Filed as: PIERCE, DWIGHT L/US BENTEC WORKPLAC | 700 W HILLSBORO BLVD DEERFIELD BEACH, FL 33441 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $49 | — | $49 | 1.09% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DR NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $45 | — | $45 | 1.01% |
| BYERLY INSURANCE AGENTS3 Filed as: BYERLY INSURANCE AGENTS & BROKERS I | 525 N 12TH ST LEMOYNE, PA 170430525 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $43 | — | $43 | 0.96% |
| AIA AMERICAN INS ADMINISTRATORS LLC3 Filed as: AIA AMERICAN INSURANCE ADMINISTRATO | 4550 LENA DRIVE MECHANICSBURG, PA 17055 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $22 | — | $22 | 0.49% |
| ROYAL OAK BENEFITS INVSTMTS LLC3 Filed as: ROYAL OAK BENEFITS & INVESTMENTS LL | 3909 WASHINGTON ROAD SUITE 311 MCMURRAY, PA 15317 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $106 | — | $106 | 2.47% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP INC | 210 6TH AVE 30TH FL PITTSBURGH, PA 15222 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $70 | — | $70 | 1.63% |
| ROYAL OAK BENEFITS INVSTMTS LLC3 Filed as: ROYAL OAK BENEFITS & INVESTMENTS LL | 3909 WASHINGTON ROAD SUITE 311 MCMURRAY, PA 15317 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $227 | — | $227 | 5.57% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP INC | 210 6TH AVE 30TH FL PITTSBURGH, PA 15222 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $152 | — | $152 | 3.73% |
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 | 702 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 703 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 1,147 | $365K |
| Life insurance(5 contracts, 5 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 738 | $121K |
| Short-term disability(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 208 | $105K |
| Long-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 235 | $92K |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 738 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,147 | — |
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.