| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL S VEREB3 | 3645 WEST LAKE ROAD ERIE, PA 16505 | HIGHMARK, INC. | $78K | $0 | $78K | 2.73% |
| ASSUREDPARTNERS3 Filed as: HDH GROUP INC | UNKNOWN PITTSBURGH, PA 15222 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $74K | $0 | $74K | 25.53% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES WARD | UNKNOWN COLUMBIA, SC 29209 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $17K | $0 | $17K | 5.74% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | UNKNOWN HAUPPAUGE, NY 11788 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $0 | $13K | $13K | 4.56% |
| JAMES W WARD3 | 4500 FT JACKSON BOULEVARD SUITE 350 COLUMBIA, SC 29209 | TRUSTMARK INSURANCE COMPANY | $31K | $0 | $31K | 57.00% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP INC | 1250 TOWER LANE ERIE, PA 16505 | TRUSTMARK INSURANCE COMPANY | $16K | $0 | $16K | 30.69% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP INC | 1250 TOWER LANE ERIE, PA 16505 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $2K | $0 | $2K | 7.02% |
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 | 432 | 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) | 432 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK, INC. | 289 | $2.9M |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 545 | $26K |
| Life insurance(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 432 | $343K |
| Short-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 432 | $289K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 432 | $289K |
| Prescription drug | HIGHMARK, INC. | 289 | $2.9M |
| Other(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 432 | $296K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 545 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.