| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP, INC. | 210 SIXTH AVENUE, 30TH FLOOR PITTSBURGH, PA 15222 | HIGHMARK INC. | $143K | $0 | $143K | 3.51% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST | 1393 VETERANS MEMORIAL HWY STE 210N HAUPPAUGE, NY 11788 | CAREFIRST BLUECHOICE, INC. | $0 | $24K | $24K | 5.39% |
| AMWINS5 Filed as: AMWINS CONNECT ADMINISTRATORS, INC | 6 NORTH PARK DRIVE, S 310 HUNT VALLEY, MD 21030 | CAREFIRST BLUECHOICE, INC. | $0 | $4K | $4K | 0.89% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP, INC. | 210 SIXTH AVENUE, 30TH FLOOR PITTSBURGH, PA 15222 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $9K | $14K | 8.77% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP, INC. | 210 SIXTH AVENUE, 30TH FLOOR PITTSBURGH, PA 15222 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $7K | $12K | 9.54% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP, INC. | 210 SIXTH AVENUE, 30TH FLOOR PITTSBURGH, PA 15222 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $6K | $12K | 10.00% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP, INC. | 210 SIXTH AVENUE, 30TH FLOOR PITTSBURGH, PA 15222 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $4K | $12K | 16.67% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP, INC. | 210 SIXTH AVENUE, 30TH FLOOR PITTSBURGH, PA 15222 | EYEMED VISION CARE | $3K | $0 | $3K | 9.82% |
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 | 648 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 649 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HIGHMARK INC. | 361 | $4.5M |
| Vision | EYEMED VISION CARE | 626 | $31K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 646 | $130K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 596 | $115K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 648 | $162K |
| Prescription drug(2 contracts, 2 carriers) | HIGHMARK INC. | 361 | $4.5M |
| Other(3 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 646 | $217K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 648 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.