| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HENDERSON BROTHERS, INC.3 | 920 FORT DUQUESNE BLVD. PITTSBURGH, PA 15222 | HIGHMARK | $29K | — | $29K | 3.10% |
| HENDERSON BROTHERS, INC.3 | 920 FORT DUQUESNE BLVD. PITTSBURGH, PA 15222 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | $578 | $4K | 6.06% |
| HENDERSON BROTHERS, INC.3 | 920 FORT DUQUESNE BLVD. PITTSBURGH, PA 15222 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 7.60% |
| HENDERSON BROTHERS, INC.3 | 920 FORT DUQUESNE BLVD. PITTSBURGH, PA 15222 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 9.42% |
| HENDERSON BROTHERS, INC.3 | 920 FORT DUQUESNE BLVD. PITTSBURGH, PA 15222 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 13.77% |
| HENDERSON BROTHERS, INC.3 | 920 FORT DUQUESNE BLVD. PITTSBURGH, PA 15222 | NGL | $669 | — | $669 | 5.00% |
| HENDERSON BROTHERS, INC.3 | 920 FORT DUQUESNE BLVD. PITTSBURGH, PA 15222 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $394 | — | $394 | 15.00% |
| ROYAL OAK BENEFITS INVSTMTS LLC3 Filed as: ROYAL OAK BENEFIT INVSTMTS LLC | 3909 WASHINGTON ROAD SUITE 311 MCMURRAY, PA 15317 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $12 | — | $12 | 2.97% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP, INC. | 210 SIXTH AVENUE 30TH FLOOR PITTSBURGH, PA 15222 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8 | — | $8 | 1.98% |
| ROYAL OAK BENEFITS INVSTMTS LLC3 | 3909 WASHINGTON ROAD SUITE 311 MCMURRAY, PA 15317 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $29 | — | $29 | 7.27% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP, INC. | 210 SIXTH AVENUE 30TH FLOOR PITTSBURGH, PA 15222 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $19 | — | $19 | 4.76% |
| ROYAL OAK BENEFITS INVSTMTS LLC3 | 3909 WASHINGTON ROAD SUITE 311 MCMURRAY, PA 15317 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $17 | — | $17 | 6.01% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP, INC. | 210 SIXTH AVENUE 30TH FLOOR PITTSBURGH, PA 15222 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11 | — | $11 | 3.89% |
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 | 138 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 139 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK | 222 | $934K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 263 | $61K |
| Vision | NGL | 240 | $13K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $20K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $36K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $14K |
| Other(4 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 263 | — |
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.