| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP INC | 210 SIXTH AVE 30TH FLOOR PITTSBURGH, PA 15222 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PRUDENTIAL INSURANCE EIN 22-1211670 CLAIMS ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | 751 BROAD STREET NEWARK, NJ 07102 | $81K |
| HIGHMARK INC EIN 23-1294723 CLAIMS ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | 120 FIFTH AVENUE PITTSBURGH, PA 15222 | $32K |
| UNITED CONCORDIA COMPANIES INC EIN 25-1687586 CLAIMS ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | 4401 DEER PATH ROAD HARRISBURG, PA 17110 | $0 |
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 | 1,359 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,373 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 2,049 | $174K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 2,049 | $174K |
| Other | MAGELLAN HEALTHCARE | 1,618 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,049 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.