| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TENTH DOT BENEFITS SOLUTIONS LLC3 | FOUR GATEWAY CENTER 444 LIBERTY AVE., SUITE 750 PITTSBURGH, PA 15222 | AETNA LIFE INSURANCE CO. | $2K | $13K | $15K | 3.82% |
| TENTH DOT BENEFITS SOLUTIONS LLC3 Filed as: TENTH DOT BENEFIT SOLUTIONS LLC | FOUR GATEWAY CENTER 444 LIBERTY AVENUE, SUITE 750 PITTSBURGH, PA 15222 | SYMETRA LIFE INSURANCE COMPANY | $13K | $7K | $20K | 6.30% |
| TENTH DOT BENEFITS SOLUTIONS LLC3 | 444 LIBERTY AVE. SUITE 750 PITTSBURGH, PA 152221224 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $5K | — | $5K | 9.96% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP, INC. | 210 SIXTH STREET 30TH FLOOR PITTSBURGH, PA 15222 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 1.98% |
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 | 731 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 17 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 748 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE CO. | 1,193 | $381K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 1,132 | $51K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 731 | $325K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 731 | $325K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 731 | $325K |
| Other | SYMETRA LIFE INSURANCE COMPANY | 731 | $325K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,193 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.