| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP, INC. | 210 SIXTH AVENUE 30TH FLOOR PITTSBURGH, PA 15222 | HIGHMARK INC. | $77K | — | $77K | 4.08% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP, INC. | 210 SIXTH AVENUE 30TH FLOOR PITTSBURGH, PA 15222 | THE GUARDIAN LIFE INSURANCE COMPANY | $15K | — | $15K | 6.52% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP INC. | 210 SIXTH AVENUE 30TH FLOOR PITTSBURGH, PA 15222 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $15K | — | $15K | 27.42% |
| AULT TYLER3 | 315 GREEN RIDGE ROAD H1 NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 3.89% |
| LAYNE FINANCIAL INC3 Filed as: LAYNE FINANCIAL INC. | 3009 WILMINGTON ROAD SUITE 100 NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 3.26% |
| RALPH BRIAN D3 | 689 NORTH HERMITAGE ROAD HERMITAGE, PA 16148 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $562 | — | $562 | 1.00% |
| YOST MICHAEL3 | PO BOX 14218 POLAND, OH 44514 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $248 | — | $248 | 0.44% |
| REES JONATHAN3 | 3309 LIBERTY STREET SUITE 1188 ERIE, PA 16508 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $108 | — | $108 | 0.19% |
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 | 393 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 397 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK INC. | 289 | $1.9M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY | 393 | $227K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY | 393 | $227K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY | 393 | $227K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY | 393 | $227K |
| Prescription drug | HIGHMARK INC. | 289 | $1.9M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY | 393 | $283K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 393 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.