| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP INC | 210 SIXTH AVENUE, 30TH FLOOR PITTSBURGH, PA 15222 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | $6K | $14K | 11.28% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP INC | UNKNOWN PITTSBURGH, PA 15222 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $9K | $0 | $9K | 9.65% |
| BARBARA BAXTER DEJOHN3 | 1154 TIDEWOOD DRIVE BETHEL PARK, PA 15102 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $587 | $4K | 4.78% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL J SLATER | 1624 HOLLY HILL DRIVE BETHEL PARK, PA 15102 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $98 | $2K | 2.25% |
| TIMOTHY J SLATER3 | 466 CARNEGIE DRIVE PITTSBURGH, PA 15243 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $179 | $2K | 1.93% |
| KATI NAIRN3 | 114 JAMES DRIVE BEAVER, PA 15009 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 1.90% |
| LANCE A BRADLEY3 Filed as: LANCE A BRADLEY AND OTHER AGENTS | 2028 MOUNT VERNON CIRCLE HARRISBURG, PA 17110 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $454 | $0 | $454 | 0.49% |
| TAMMY A MORGART3 | 13347 DEAN DRIVE NORTH HUNTINGTON, PA 15642 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $238 | $1 | $239 | 0.26% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP INC | 2730 SYDNEY STREET, SUITE 330 PITTSBURGH, PA 15203 | VISION BENEFITS OF AMERICA | $2K | $0 | $2K | 3.16% |
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 | 91 | 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) | 91 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION BENEFITS OF AMERICA | 676 | $57K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 91 | $124K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 91 | $124K |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 91 | $216K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 676 | — |
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.