| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP INC | 210 6TH AVE FL 30 PITTSBURGH, PA 15222 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $107K | $43K | $151K | 20.58% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, LLC | 550 S CALDWELL ST STE 1400 CHARLOTTE, NC 28202 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $35K | — | $35K | 4.78% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICES, INC - EB | 1000 WOODBURY RD STE 403 WOODBURY, NY 11797 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $30K | $30K | 4.16% |
| N/A3 | — | BERKSHIRE | $94 | — | $94 | 0.02% |
| ASSUREDPARTNERS3 Filed as: HDH GROUP, INC. (THE) D/B/A | HUB INTERNATIONAL THREE RIVERS 2730 SIDNEY STREET SUITE 330 PITTSBURGH, PA 15203 | HCC LIFE INSURANCE COMPANY | $11K | — | $11K | 10.00% |
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH PARTNER GROUP, LLC | 18700 N. HAYDEN ROAD SUITE 405 SCOTTSDALE, AZ 85255 | HCC LIFE INSURANCE COMPANY | $4K | — | $4K | 3.20% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, LLC | 550 SOUTH CALDWELL STREET CHARLOTTE, NC 28202 | FIRST STOP HEALTH, LLC | $5K | — | $5K | 6.90% |
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 | 786 | 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) | 786 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF PENNSYLVANIA | 601 | $121K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 874 | $24K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 2,469 | $731K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 2,469 | $731K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 2,469 | $731K |
| Stop-loss / reinsurancereinsurance | BERKSHIRE | 930 | $569K |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 2,469 | $919K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,469 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.