| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RXBENEFITS, INC.5 | — | RXBENEFITS, INC. | — | $3K | $3K | 0.47% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP,INC. | 210 SIXTH AVENUE 30TH FLOOR PITTSBURGH, PA 15222 | GUARDIAN LIFE INSURANCE COMPANY | — | $3K | $3K | 2.27% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 E JACKSON 12TH FL CHICAGO, IL 606049300 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 1.77% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP, INC DBA HUB | 210 SIXTH AVENUE 30TH FLOOR PITTSBURGH, PA 15222 | METLIFE LEGAL PLANS | $780 | — | $780 | 13.29% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK INC. EIN 23-1294723 CLAIMS ADMIN + NETWORK | Claims processing; Other fees Service code 12 | — | $297K |
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 | 227 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 232 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK INC. | 739 | $29K |
| Dental(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY | 227 | $237K |
| Vision(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY | 739 | $180K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY | 227 | $151K |
| Prescription drug | RXBENEFITS, INC. | 307 | $585K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 309 | $445K |
| Other(4 contracts, 4 carriers) | HM LIFE INSURANCE COMPANY | 309 | $612K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 739 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.