| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | SIX PPG PLACE, SUITE 200 PITTSBURGH, PA 15222 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $10 | $1K | 2.20% |
| ROYAL OAK BENEFITS INVSTMTS LLC3 Filed as: ROYAL OAK BNFTS. & INVESTMENTS LLC | 3909 WASHINGTON ROAD, SUITE 311 CANONSBURG, PA 15317 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $52 | $0 | $52 | 0.08% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP INC | 210 SIXTH AVENUE, 30TH FLOOR PITTSBURGH, PA 15222 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $35 | $0 | $35 | 0.05% |
| ROYAL OAK BENEFITS INVSTMTS LLC3 Filed as: ROYAL OAK BNFTS. & INVESTMENTS LLC | 3909 WASHINGTON ROAD, SUITE 311 CANONSBURG, PA 15317 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 2.85% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP INC | 210 SIXTH AVENUE, 30TH FLOOR PITTSBURGH, PA 15222 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 1.90% |
| USI INSURANCE SERVICES LLC3 | SIX PPG PLACE, SUITE 200 PITTSBURGH, PA 15222 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $206 | $22 | $228 | 0.36% |
| USI INSURANCE SERVICES LLC3 | 4605 COLUMBUS STREET VIRGINIA BEACH, VA 23462 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $97 | $2K | 16.00% |
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 | 1,012 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,012 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 841 | $128K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,080 | $330K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 167 | $63K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 999 | $178K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 10,102 | $100K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,102 | — |
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."
No prospect flags tripped on this filing.