| 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 | $7K | $533 | $7K | 9.26% |
| THE H D H GROUP INC.3 | 210 SIXTH AVE 30TH FLOOR PITTSBURGH, PA 15222 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $310 | $3K | 6.46% |
| 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 | $286 | $3K | 8.21% |
| COURY HEALTH SERVICES LLC3 Filed as: COURY HEALTH SERVICES INC. | 301 GRANT ST., STE 300 PITTSBURGH, PA 15219 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $739 | $37 | $776 | 15.74% |
| COURY HEALTH SERVICES LLC3 Filed as: COURY HEALTH SERVICES INC. | 301 GRANT ST., STE 300 PITTSBURGH, PA 15219 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $24 | — | $24 | 2.01% |
| THE H D H GROUP INC.3 | 600 GRANT ST. STE. 1100 PITTSBURGH, PA 15219 | COMMUNITY INSURANCE COMPANY, DBA ANTHEM BLUE CROSS AND BLUE SHIELD | $32K | — | $32K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMMUNITY INSURANCE COMPANY EIN 31-1440175 | Float revenue; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Other services Service code 12 | 4361 IRWIN SIMPSON ROAD MASON, OH 45040 | $112K |
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 | 118 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 118 | 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 | 265 | $39K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 112 | $44K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 116 | $77K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 116 | $77K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 118 | $250K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 265 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.