| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE H D H GROUP INC.3 | 210 SIXTH AVE 30TH FLOOR PITTSBURGH, PA 15222 | HM LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| COURY HEALTH SERVICES LLC3 Filed as: COURY HEALTH SERVICES INC. | 301 GRANT ST., STE 300 PITTSBURGH, PA 15219 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $549 | $6K | 9.33% |
| THE H D H GROUP INC.3 | 210 SIXTH AVE 30TH FLOOR PITTSBURGH, PA 15222 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 5.59% |
| COURY HEALTH SERVICES LLC3 Filed as: COURY HEALTH SERVICES INC. | 301 GRANT ST., STE 300 PITTSBURGH, PA 15219 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $311 | $3K | 8.45% |
| COURY HEALTH SERVICES LLC3 Filed as: COURY HEALTH SERVICES INC. | 301 GRANT ST., STE 300 PITTSBURGH, PA 15219 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $862 | $92 | $954 | 21.03% |
| COURY HEALTH SERVICES LLC3 Filed as: COURY HEALTH SERVICES INC. | 301 GRANT ST., STE 300 PITTSBURGH, PA 15219 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $305 | — | $305 | 44.01% |
| THE H D H GROUP INC.3 | 210 SIXTH AVE 30TH FLOOR PITTSBURGH, PA 15222 | COMMUNITY INSURANCE COMPANY, DBA ANTHEM BLUE CROSS AND BLUE SHIELD | $20K | — | $20K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMMUNITY INSURANCE COMPANY EIN 31-1440175 | Contract Administrator; Claims processing; Float revenue; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | 4361 IRWIN SIMPSON ROAD MASON, OH 45040 | $82K |
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 | 106 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 106 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY, DBA ANTHEM BLUE CROSS AND BLUE SHIELD | 0 | $0 |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 228 | $39K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 106 | $42K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 105 | $67K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 105 | $67K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 106 | $246K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 228 | — |
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."
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.