| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL LIMITED (PA) | 210 SIXTH AVENUE 30TH FLOOR PITTSBURGH, PA 15222 | UPMC HEALTH OPTIONS | $36K | — | $36K | 2.02% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP, INC. | 210 6TH AVENUE, 30TH FLOOR PITTSBURGH, PA 15222 | HIGHMARK | $26K | — | $26K | 2.03% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: GATEWAY BENEFITS DBA THE HUB | 210 6TH AVENUE 30TH FLOOR, SUITE 3 PITTSBURGH, PA 15222 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $15K | — | $15K | 8.69% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP, INC. | 210 SIXTH AVENUE, 39TH FLOOR PITTSBURGH, PA 15222 | CIGNA HEALTH AMD LIFE INSURANCE COMPANY AND AFFILIATES | $3K | — | $3K | 1.96% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP - PITTSBURGH, PA | 210 SIXTH AVENUE PITTSBURGH, PA 15222 | EYEMED VISION CARE | $474 | — | $474 | 2.01% |
| ASSUREX3 Filed as: ASSUREX GLOBAL CORP. - EXCHANGE | 175 SOUTH THIRD ST., SUITE 800 COLUMBUS, OH 43215 | EYEMED VISION CARE | $296 | — | $296 | 1.26% |
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 | 1,072 | 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) | 1,072 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UPMC HEALTH OPTIONS | 350 | $3.1M |
| Dental | CIGNA HEALTH AMD LIFE INSURANCE COMPANY AND AFFILIATES | 373 | $147K |
| Vision | EYEMED VISION CARE | 475 | $24K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 493 | $173K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 493 | $173K |
| Prescription drug | HIGHMARK | 137 | $1.3M |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,072 | $188K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,072 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.