| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP, INC. | 1250 TOWER LANE ERIE, PA 16505 | HM LIFE INSURANCE COMPANY | $27K | — | $27K | 5.18% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK LLC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $13K | $2K | $16K | 16.66% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP, INC. | 1250 TOWER LANE ERIE, PA 16505 | VISION BENEFITS OF AMERICA | $479 | — | $479 | 1.49% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 151 FARMINGTON AVENUE HARTFORD, CT 06156 | $185K |
| RX BENEFITS, INC. EIN 63-1157085 CONTRACT ADMINISTRATOR | Claims processing Service code 12 | 3700 COLONNADE PARKWAY SUITE 600 BIRMINGHAM, AL 35243 | $5K |
| THE HDH GROUP, INC. EIN 25-1428002 NONE | Claims processing; Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | 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 | 385 | 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) | 385 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION BENEFITS OF AMERICA | 304 | $32K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 385 | $94K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 385 | $94K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 284 | $522K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 385 | $94K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 385 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.