| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRISSORA & ASSOCIATES LLC3 | 103 BRADFORD ROAD, SUITE 105 WEXFORD, PA 15090 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $30K | $30K | 3.78% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP, INC | 210 6TH AVENUE 30TH FLOOR PITTSBURGH, PA 15222 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $16K | $12K | $29K | 13.24% |
| HUBBARD BERT KARLE WEBER3 Filed as: HUBBARD BERT KARLE WEBER INC. | 1250 TOWER LANE SUITE 2 ERIE, PA 16505 | EYE MED | $795 | — | $795 | 1.76% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH EIN 16-1264154 CLAIMS ADMINISTRATOR | Claims processing Service code 12 | — | $20K |
| THE HDH GROUP DBA HUB INTERNATIONAL EIN 25-1428002 CLAIMS ADMINISTRATOR | Claims processing Service code 12 | — | $11K |
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 | 722 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 735 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF PENNSYLVANIA | 644 | $0 |
| Vision | EYE MED | 640 | $45K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 722 | $217K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 722 | $217K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 722 | $217K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 617 | $794K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 722 | $217K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 722 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.