| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: HDH GROUP, INC. | C/O HUBBARD BERT, INC. 1250 TOWER LANE ERIE, PA 16505 | HM LIFE INSURANCE COMPANY | $23K | — | $23K | 8.00% |
| HUBBARD BERT KARLE WEBER3 Filed as: HUBBARD BERT INC. | 1250 TOWER LANE ERIE, PA 16505 | VISION BENEFITS OF AMERICA | $654 | — | $654 | 1.60% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK, INC. EIN 23-1294723 | Other services; Claims processing; Float revenue; Contract Administrator Service code 12 | P. O. BOX 535061 PITTSBURGH, PA 15253 | $320K |
| HUBBARD BERT, INC. EIN 25-1522457 | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan; Claims processing Service code 12 | 1250 TOWER LANE ERIE, PA 16505 | $16K |
| MEDCO HEALTH SOLUTIONS EIN 22-3462740 | Claims processing Service code 12 | — | $0 |
| THE HDH GROUP, INC. EIN 25-1428002 | Other services; Contract Administrator; Other commissions Service code 13 | C/O HUBBARD BERT, INC. 1250 TOWER LANE ERIE, PA 16505 | $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 | 371 | 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. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 371 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION BENEFITS OF AMERICA | 392 | $41K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 387 | $288K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 392 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.