| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP INC | 210 6TH AVENUE, 3OTH FLOOR PITTSBURGH, PA 15222 | HIGHMARK INC. | $30K | $0 | $30K | 3.51% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP INC | 2730 SIDNEY STREET, SUITE 330 PITTSBURGH, PA 15203 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | $0 | $11K | 12.01% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP INC | 210 6TH AVENUE, 3OTH FLOOR PITTSBURGH, PA 15222 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $5K | $5K | 5.72% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP INC | 2730 SIDNEY STREET, SUITE 330 PITTSBURGH, PA 15203 | VISION BENEFITS OF AMERICA | $858 | $0 | $858 | 5.58% |
| ASSUREDPARTNERS4 Filed as: THE HDH GROUP INC | 210 6TH AVENUE, 3OTH FLOOR PITTSBURGH, PA 15222 | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | $55 | $0 | $55 | 6.91% |
| DONALD K WARD4 | 45 WALKER HILL ROAD AVELLA, PA 15312 | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | $29 | $0 | $29 | 3.64% |
No Schedule C service providers reported on this filing.
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 | 477 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 478 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK INC. | 255 | $865K |
| Dental | HIGHMARK INC. | 255 | $865K |
| Vision | VISION BENEFITS OF AMERICA | 117 | $15K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 143 | $93K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 143 | $93K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 143 | $93K |
| Prescription drug | HIGHMARK INC. | 255 | $865K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 143 | $94K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 255 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.