| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP, INC. | 210 SIXTH AVENUE 30TH FLOOR PITTSBURGH, PA 15222 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $16K | — | $16K | 23.40% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 55 EAST JACKSON 12TH FLOOR CHICAGO, IL 60604 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $503 | $503 | 0.75% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP, INC. | 210 SIXTH STREET 30TH FLOOR PITTSBURGH, PA 15222 | VISION BENEFITS OF AMERICA | $471 | — | $471 | 3.00% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP, INC. | 210 SIXTH AVENUE 30TH FLOOR PITTSBURGH, PA 152222602 | VISION SERVICE PLAN | $297 | — | $297 | 9.20% |
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 | 150 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK | 260 | $1.3M |
| Dental(2 contracts, 2 carriers) | HIGHMARK | 260 | $1.3M |
| Vision(2 contracts, 2 carriers) | VISION BENEFITS OF AMERICA | 110 | $19K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 150 | $67K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 150 | $67K |
| Prescription drug | HIGHMARK | 260 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 260 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.