| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE H D H GROUP INC.3 Filed as: THE H D H GROUP, INC. | 2730 SIDNEY STREET, SUITE 330 PITTSBURGH, PA 15203 | METROPOLITAN LIFE INSURANCE COMPANY | $141K | $0 | $141K | 8.73% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 100 MATSONFORD, SUITE 510 RADNOR, PA 19087 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | $63 | $15K | 0.91% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB HEARTLAND, LLC | 8044 MONTGOMERY ROAD, SUITE 640 CINCINNATI, OH 45236 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $44 | $13K | 0.79% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER VOLUNTARY BENEFITS | 12421 MEREDITH DRIVE URBANDALE, IA 50398 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $11K | $11K | 0.70% |
| LPL FINANCIAL CORP3 Filed as: LPL FINANCIAL CORPORATION | PO BOX 509026 SAN DIEGO, CA 92150 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $0 | $6K | 0.36% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60690 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 0.10% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP, INC. | 210 SIXTH AVENUE, 30TH FLOOR PITTSBURGH, PA 15222 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $239K | $0 | $239K | 20.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 NORTH CAUSEWAY BOULEVARD SUITE 200 METAIRIE, LA 70002 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $30K | $30K | 2.51% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP, INC. | 210 SIXTH AVENUE, 30TH FLOOR PITTSBURGH, PA 15222 | CONTINENTAL AMERICAN LIFE INSURANCE COMPANY | $40K | — | $40K | 10.67% |
| JULIE-ANN KLEIN3 | 199 WENTWORTH GLENCOE, IL 60022 | CONTINENTAL AMERICAN LIFE INSURANCE COMPANY | $19K | — | $19K | 5.11% |
| LUKE A ROCKWELL3 Filed as: LUKE A. ROCKWELL | 303 WEST ERIE STREET, SUITE 400 CHICAGO, IL 60654 | CONTINENTAL AMERICAN LIFE INSURANCE COMPANY | $16K | — | $16K | 4.39% |
| VINCENT SCALETTA3 Filed as: VINCENT J. SCALETTA | 15 NORTH WINDSOR DRIVE ARLINGTON HEIGHTS, IL 60004 | CONTINENTAL AMERICAN LIFE INSURANCE COMPANY | $8K | — | $8K | 2.05% |
| ANDREW CASPERSON3 Filed as: ANDREW WILLIAM CASPERSON | 2112 WEST RICE STREET, APARTMENT 4 CHICAGO, IL 60622 | CONTINENTAL AMERICAN LIFE INSURANCE COMPANY | $5K | — | $5K | 1.34% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTL MIDWEST LIMITED & OTHERS | 707 SKOKIE BOULEVARD, SUITE 400 NORTHBROOK, IL 60062 | CONTINENTAL AMERICAN LIFE INSURANCE COMPANY | $311 | — | $311 | 0.08% |
| SCALETTA INSURANCE AGENCY INC3 Filed as: SCALETTA INSURANCE AGENCY, INC. | 15 NORTH WINDSOR DRIVE ARLINGTON HEIGHTS, IL 60004 | CONTINENTAL AMERICAN LIFE INSURANCE COMPANY | $10 | — | $10 | 0.00% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP, INC. | 2730 SIDNEY STREET, SUITE 330 PITTSBURGH, PA 15203 | HEARTLAND | $8K | — | $8K | 5.00% |
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 | 2,290 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 36 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 31 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,357 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 3,536 | $1.6M |
| Vision | HEARTLAND | 3,227 | $162K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 3,536 | $2.8M |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,976 | $1.2M |
| Other(3 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,976 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,536 | — |
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.