| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 210 SIXTH AVENUE 30TH FLOOR PITTSBURGH, PA 15222 | GRANULAR INSURANCE COMPANY | $77K | — | $77K | 8.25% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT RESOURCES | 2839 PAGES FERRY ROAD, SE SUITE 830 ATLANTA, GA 30339 | GRANULAR INSURANCE COMPANY | $65K | — | $65K | 7.00% |
| HUBBARD BERT KARLE WEBER3 | 1250 TOWER LANE ERIE, PA 16505 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 6.28% |
| HUBBARD BERT KARLE WEBER3 | 1250 TOWER LANE ERIE, PA 16505 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 8.25% |
| NEISHLOSS FLEMING INC3 | 501 TECHNOLOGY DRIVE SUITE 3100 CANONSBURG, PA 15317 | HARTFORD LIFE AND ACCIDENT | $879 | — | $879 | 22.51% |
| HUUBARD BERT KARLE WEBER3 | 1250 TOWER LANE ERIE, PA 16505 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $450 | — | $450 | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK EIN 23-1294723 ADMIN + NETWORK | Claims processing Service code 12 | — | $285K |
| SUN LIFE ASSURANCE CO OF CANADA EIN 38-1082080 ADVISOR | Claims processing Service code 12 | — | $20K |
| THE HDH GROUP, INC. EIN 25-1428002 INS BROKER/CLAIMS ADMIN | Insurance agents and brokers; Claims processing; Contract Administrator Service code 12 | — | $3K |
| PRIME THERAPEUTICS, LLC EIN 90-0777186 SPECIALTY PHARMACY | Other services Service code 49 | — | $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 | 319 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 321 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 333 | $57K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 333 | $55K |
| Stop-loss / reinsurancereinsurance | GRANULAR INSURANCE COMPANY | 322 | $932K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 349 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 349 | — |
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.
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.
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.