| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP INC | 210 6TH AVENUE, 30TH FLOOR, SUITE 3 PITTSBURGH, PA 15222 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $607 | $607 | 0.10% |
| WELLS FARGO INSURANCE SERVICES3 | PO BOX 823237 PHILADELPHIA, PA 19182 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $614 | $40 | $654 | 15.97% |
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 | 1,332 | 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) | 1,343 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 916 | $118K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,157 | $638K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,157 | $638K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,157 | $638K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,332 | $642K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,332 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.