| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP INC | 210 SIXTH AVE 30 FL PITTSBURGH, PA 15222 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | $1K | $10K | 11.22% |
| HUBBARD BERT KARLE WEBER3 | 1250 TOWER LANE ERIE, PA 16505 | EYE MED | $443 | — | $443 | 1.57% |
| HUBBARD BERT KARLE WEBER3 | 1250 TOWER LANE ERIE, PA 16505 | EYE MED | $167 | — | $167 | 1.24% |
| HUBBARD BERT KARLE WEBER3 | 1250 TOWER LANE ERIE, PA 16505 | EYE MED | $179 | — | $179 | 2.20% |
| HUBBARD BERT KARLE WEBER3 Filed as: HUBBARD BERT KARLE WEBER INC. | 1250 TOWER LANE ERIE, PA 16505 | EYE MED | $104 | — | $104 | 1.65% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK EIN 23-1294723 NONE | Claims processing Service code 12 | — | $266K |
| UPMC BENEFIT MANAGEMENT SERVICES EIN 25-1769564 NONE | Claims processing Service code 12 | — | $154K |
| THE HDH GROUP INC EIN 25-1428002 NONE | Contract Administrator Service code 13 | — | $15K |
| HDH GROUP INC EIN 25-1428002 NONE | Claims processing Service code 12 | — | $0 |
| MEDCO HEALTH SOLUTIONS EIN 22-3461740 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 | 742 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 742 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF PENNSYLVANIA | 948 | $0 |
| Vision(4 contracts) | EYE MED | 489 | $56K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 944 | $87K |
| Stop-loss / reinsurancereinsurance(2 contracts) | HM LIFE INSURANCE COMPANY | 462 | $1.1M |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 944 | $87K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 948 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.