| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP, INC. | 210 6TH AVENUE FLOOR 30 PITTSBURGH, PA 15222 | METROPOLITAN LIFE INSURANCE COMPANY | $184K | $6K | $190K | 15.47% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 16253 COLLECTION CENTER DRIVE 40 W MADISON 4TH FLOOR CHICAGO, IL 60693 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 0.25% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD ROAD STE 300 KIRKWOOD, MO 63122 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 0.17% |
| LOCKTON COMPANIES, LLC3 | C/O DEPT 3042 PO BOX 123042 DALLAS, TX 753123042 | GRANULAR INSURANCE COMPANY | $28K | $47K | $75K | 8.00% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP, INC. | 210 SIXTH AVENUE 30TH FLOOR PITTSBURGH, PA 15222 | RELIANCE STANDARD INSURANCE COMPANY | $159K | — | $159K | 20.00% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP, INC. | 210 SIXTH AVE. 30TH FLOOR PITTSBURGH, PA 15222 | RELIANCE STANDARD INSURANCE COMPANY | $117K | — | $117K | 20.00% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP, INC. | 210 SIXTH AVE. 30TH FLOOR PITTSBURGH, PA 15222 | HEARTLAND | $10K | — | $10K | 5.00% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP, INC. | 210 6TH AVENUE 30TH FLOOR PITTSBURGH, PA 15222 | CONTINENTAL AMERICAN INSURANCE COMPANY | $50K | — | $50K | 27.77% |
| LUKE A ROCKWELL3 | 303 WEST ERIE STREET SUITE 400 CHICAGO, IA 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $20K | — | $20K | 11.34% |
| JULIE-ANN KLEIN3 | 199 WENTWORTH GLENCOE, IA 60022 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15K | — | $15K | 8.07% |
| ANDREW CASPERSON3 | 303 WEST ERIE STREET SUITE 400 CHICAGO, IL 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11K | — | $11K | 6.35% |
| KLEIN INC3 Filed as: KLEIN, INC. | 199 WENTWORTH GLENCOE, IL 60022 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10K | — | $10K | 5.53% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 EAST JACKSON BLVD. FLOOR 14B CHICAGO, IL 60604 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8K | — | $8K | 4.42% |
| VINCENT SCALETTA3 | 4552 N OTTAWA NORRIDGE, IL 60706 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 1.70% |
| SCALETTA INSURANCE AGENCY INC3 Filed as: SCALETTA INSURANCE AGENCY | 4552 N OTTAWA NORRIDGE, IL 60706 | CONTINENTAL AMERICAN INSURANCE COMPANY | $70 | — | $70 | 0.04% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 3 RADNOR CORPORATE CTR. STE 100 WAYNE, PA 190874516 | METROPOLITAN LIFE INSURANCE COMPANY | $17K | $54 | $17K | 10.05% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4 RADNOR CORPORATE CTR. STE 100 RADNOR, PA 190874525 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $54 | $5K | 3.22% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 1.48% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | METROPOLITAN LIFE INSURANCE COMPANY | — | $20 | $20 | 0.01% |
| LPL FINANCIAL CORP3 | 4707 EXECUTIVE DRIVE SAN DIEGO, CA 921213091 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $30 | $6K | 5.77% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 111 SUPERIOR AVENUE E STE 1601 CLEVELAND, OH 441142522 | METROPOLITAN LIFE INSURANCE COMPANY | — | $20 | $20 | 0.02% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP, INC. | 210 SIXTH AVE. 30TH FLOOR PITTSBURGH, PA 15222 | RELIANCE STANDARD INSURANCE COMPANY | $42 | — | $42 | 15.00% |
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 | 3,386 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,397 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 4,022 | $1.2M |
| Vision | HEARTLAND | 3,465 | $191K |
| Life insurance(3 contracts, 2 carriers) | RELIANCE STANDARD INSURANCE COMPANY | 3,547 | $856K |
| Long-term disability | RELIANCE STANDARD INSURANCE COMPANY | 1,454 | $796K |
| Stop-loss / reinsurancereinsurance | GRANULAR INSURANCE COMPANY | 2,342 | $937K |
| Other(3 contracts, 2 carriers) | RELIANCE STANDARD INSURANCE COMPANY | 3,547 | $767K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,022 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.