| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP INC | 210 SIXTH AVE 30TH FLOOR PITTSBURGH, PA 15222 | LINCOLN LIFE ASSURANCE COMPANY OF B | $8K | $2K | $10K | 5.70% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP INC | 210 SIXTH AVE 30TH FLOOR PITTSBURGH, PA 15222 | LINCOLN LIFE ASSURANCE COMPANY OF B | $410 | $72 | $482 | 7.05% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK INC EIN 23-1294723 CLAIMS ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | 120 FIFTH AVENUE PITTSBURGH, PA 15222 | $201K |
| LINCOLN LIFE ASSURANCE COMPANY OF B EIN 04-6076039 CLAIMS ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | 100 LIBERTY WAY DOVER, NH 03820 | $70K |
| UNITED CONCORDIA COMPANIES INC EIN 25-1687586 CLAIMS ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | 4401 DEER PATH ROAD HARRISBURG, PA 17110 | $40K |
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 | 1,399 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 29 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,428 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | HM LIFE INSURANCE COMPANY | 2,018 | $132K |
| Short-term disability | LINCOLN LIFE ASSURANCE COMPANY OF B | 18 | $7K |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF B | 180 | $175K |
| Other | MAGELLAN HEALTHCARE | 1,588 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,018 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.