| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP | C/O HUBBARD BERT 1250 TOWER LANE ERIE, PA 16505 | HM LIFE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP INC | 210 SIXTH AVE 30 FL PITTSBURGH, PA 15222 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | $2K | $11K | 12.61% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP INC | 210 6TH AVE 30TH FLOOR PITTSBURGH, PA 15222 | HIGHMARK | $347 | — | $347 | 2.27% |
| ANDERSON BENEFIT SOLUTIONS3 Filed as: ANDERSON & KIME EMPLOYEE BENEFITS, | 212 MAIN ST RIDGWAY, PA 15853 | HIGHMARK | $114 | — | $114 | 0.75% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK EIN 23-1294723 NONE | Claims processing Service code 12 | — | $349K |
| UPMC BENEFIT MANAGEMENT SERVICES EIN 25-1769564 NONE | Claims processing Service code 12 | — | $60K |
| HUBBARD BERT KARLE WEBER EIN 25-1185026 NONE | Contract Administrator; Claims processing Service code 12 | — | $13K |
| MEDCO HEALTH SOLUTIONS EIN 22-3461740 NONE | Claims processing Service code 12 | — | $0 |
| THE HDH GROUP INC EIN 25-1428002 NONE | Claims processing Service code 12 | — | $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 | 725 | 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) | 725 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts, 2 carriers) | VISION BENEFITS OF AMERICA | 353 | $58K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 793 | $89K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 567 | $821K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 793 | $89K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 793 | — |
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.