| 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 | $45K | — | $45K | 1.98% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP, INC. | 210 6TH AVENUE, 30TH FLOOR PITTSBURGH, PA 15222 | HIGHMARK | $31K | — | $31K | 1.68% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL LIMITED | 210 6TH AVENUE 30TH FLOOR, SUITE 3 PITTSBURGH, PA 15222 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $15K | — | $15K | 9.18% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP, INC. | 210 SIXTH AVENUE, 30TH FLOOR PITTSBURGH, PA 15222 | UNITED CONCORDIA INSURANCE COMPANY | $3K | $3K | $6K | 4.00% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP - PITTSBURGH, PA | 210 SIXTH AVENUE PITTSBURGH, PA 15222 | EYEMED VISION CARE | $491 | — | $491 | 1.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FLORES EIN 56-1542307 CLAIMS ADMIN | Claims processing Service code 12 | — | $12K |
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 | 394 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 397 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UPMC HEALTH OPTIONS | 403 | $4.1M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 574 | $153K |
| Vision | EYEMED VISION CARE | 521 | $25K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 429 | $167K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 429 | $167K |
| Prescription drug | HIGHMARK | 196 | $1.8M |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 598 | $172K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 598 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.