| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP NC | C/O HUBBARD BERT 1250 TOWER LANE ERIE, PA 16505 | HM LIFE INSURANCE COMPANY | $36K | — | $36K | 5.26% |
| HUBBARD BERT KARLE WEBER3 | 1250 TOWER LANE ERIE, PA 16505 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 6.63% |
| HUBBARD BERT KARLE WEBER3 | 1250 TOWER LANE ERIE, PA 16505 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 8.78% |
| ENROLLEASE1 Filed as: ONEDIGITAL EXPRESS LINK LLC | 4200 ROCKSIDE RD CLEVELAND, OH 44131 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | — | $7K | 24.94% |
| ASSUREDPARTNERS1 Filed as: THE HDH GROUP INC | 210 6TH AVE 30TH FLOOR PITTSBURGH, PA 15222 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | — | $5K | 17.13% |
| NEISHLOSS FLEMING INC3 | 22275 SWALLOWM HILL RD BLVD 300 PITTSBURGH, PA 15220 | HARTFORD LIFE AND ACCIDENT | $1K | — | $1K | 22.50% |
| HUUBARD BERT KARLE WEBER3 | 1250 TOWER LANE ERIE, PA 16505 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $426 | — | $426 | 14.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK EIN 23-1294723 NONE | Claims processing Service code 12 | — | $2.7M |
| HBKW, INC. EIN 25-1185026 NONE | Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $0 |
| MEDCO HEALTH SOLUTIONS EIN 22-3461740 NONE | Claims processing Service code 12 | — | $0 |
| THE HDH GROUP, INC.. EIN 25-1428002 NONE | Contract Administrator Service code 13 | — | $0 |
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 | 409 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 409 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 554 | $53K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 406 | $27K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 413 | $51K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 306 | $678K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 419 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 554 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.