| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LILLIS MCKIBBEN BONGIOVANNI & CO3 | 305 WEST 6TH STREET ERIE, PA 16507 | UPMC | $39K | — | $39K | 2.98% |
| ASSUREDPARTNERS3 Filed as: HDH GROUP INC C/O HUBBARD BERT INC | 1250 TOWER LANE ERIE, PA 16505 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| LAYNE FINANCIAL INC3 | 3009 WILMINGTON RD, STE 100 NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $342 | — | $342 | 2.66% |
| AULT TYLER3 | 315 GREEN RIDGE DRIVE, STE H-1 NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $176 | — | $176 | 1.37% |
| LUTZ EDWARD D3 | 1706 WILMINGTON RD NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $126 | — | $126 | 0.98% |
| YOST MICHAEL3 | PO BOX 14218 POLAND, OH 44514 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $38 | — | $38 | 0.30% |
| AULT TYLER3 Filed as: AULT DUSTIN | 324 HEARTHSTONE DRIVE NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $29 | — | $29 | 0.23% |
| ASSUREDPARTNERS3 Filed as: HDH GROUP INC C/O HUBBARD BERT INC | 1250 TOWER LANE ERIE, PA 16505 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| ASSUREDPARTNERS3 Filed as: HDH GROUP INC | 210 SIXTH AVENUE 30TH FLOOR PITTSBURGH, PA 15222 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $351 | — | $351 | 6.54% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HDH GROUP DBA HUB INTERNATIONAL | 210 SIXTH AVENUE 30TH FLOOR PITTSBURGH, PA 15222 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $683 | — | $683 | 15.00% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA | 1000 WOODBURY ROAD STE 403 WOODBURY, NY 11797 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $228 | — | $228 | 5.01% |
| ASSUREDPARTNERS3 Filed as: HDH GROUP INC | 210 SIXTH AVENUE 30TH FLOOR PITTSBURGH, PA 15222 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $484 | — | $484 | 11.01% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA | 1000 WOODBURY ROAD STE 403 WOODBURY, NY 11797 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $220 | — | $220 | 5.00% |
| LILLIS MCKIBBEN BONGIOVANNI & CO3 | 305 WEST 6TH STREET ERIE, PA 16507 | UPMC | $74 | — | $74 | 3.69% |
| ASSUREDPARTNERS3 Filed as: HDH GROUP INC | 210 SIXTH AVENUE 30TH FLOOR PITTSBURGH, PA 15222 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $84 | — | $84 | 6.72% |
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 | 144 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | UPMC | 232 | $1.3M |
| Life insurance(6 contracts, 3 carriers) | BOSTON MUTUAL LIFE INSURANCE COMPANY | 157 | $78K |
| Long-term disability(3 contracts, 2 carriers) | BOSTON MUTUAL LIFE INSURANCE COMPANY | 147 | $59K |
| Prescription drug(2 contracts) | UPMC | 232 | $1.3M |
| Other(6 contracts, 3 carriers) | BOSTON MUTUAL LIFE INSURANCE COMPANY | 157 | $78K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 232 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.