| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP, INC. | 30TH FLOOR 210 SIXTH AVENUE PITTSBURGH, PA 15222 | UNUM LIFE INSURANCE COMPANY | $102K | $887 | $103K | 7.21% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 E JACKSON BLVD CHICAGO, IL 60604 | HIGHMARK CASUALTY INSURANCE COMPANY | $107K | $0 | $107K | 7.68% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 55 EAST JACKSON BLVD CHICAGO, IL 606444466 | METROPOLITAN LIFE INSURANCE COMPANY | $37K | $20K | $57K | 4.58% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP | 210 6TH AVENUE PITTSBURGH, PA 15222 | SUN LIFE ASSURANCE COMPANY OF CANADA | $26K | — | $26K | 2.17% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 EAST JACKSON BLVD CHICAGO, IL 60604 | KAISER PERMANENTE | $28K | $0 | $28K | 2.40% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 EAST JACKSON BLVD CHICAGO, IL 60604 | UNUM LIFE INSURANCE | $89K | $7K | $96K | 30.29% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 15162 COLLECTION CENTER DRIVE CHICAGO, IL 60693 | VISION SERVICE PLAN | $5K | $0 | $5K | 2.00% |
| ASSUREDPARTNERS3 Filed as: HDH GROUP | 444 LIBERTY AVENUE PITTSBURGH, PA 15222 | ZURICH AMERICAN INSURANCE COMPANY | $26K | $0 | $26K | 15.00% |
| ASSUREDPARTNERS3 Filed as: HDH GROUP | 444 LIBERTY AVENUE SUITE 750 PITTSBURGH, PA 15222 | ZURICH AMERICAN INSURANCE COMPANY | $15K | $0 | $15K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HUB INTERNATIONAL EIN 35-0672425 CONSULTANT | Consulting (general) Service code 16 | — | $125K |
| OASIS SOFTWARE EIN 62-1602448 CONSULTANT | Consulting (general) Service code 16 | — | $47K |
| BANK OF NEW YORK MELLON EIN 13-5160382 TRUSTEE | Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $16K |
| BAKER TILLY VIRCHOW KRAUSE EIN 39-0859910 PLAN AUDITOR | Accounting (including auditing) Service code 10 | — | $8K |
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 | 2,115 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 70 | Continuation coverage (COBRA, retiree health). |
| Beneficiaries receiving benefits | 13 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 2,198 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KAISER PERMANENTE | 152 | $1.4M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,333 | $1.4M |
| Vision | VISION SERVICE PLAN | 1,354 | $237K |
| Life insurance(3 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,080 | $1.5M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY | 1,955 | $1.4M |
| Prescription drug(4 contracts, 3 carriers) | KAISER PERMANENTE | 152 | $1.4M |
| Stop-loss / reinsurancereinsurance | HIGHMARK CASUALTY INSURANCE COMPANY | 1,650 | $1.4M |
| Other(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY | 2,076 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,333 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.