| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SBR SERVICES LLC3 Filed as: SBR SERVICES, LLC | 2300 WINDY RIDGE PKWY STE 695S ATLANTA, GA 30339 | SYMETRA LIFE INSURANCE COMPANY | — | $104K | $104K | 6.88% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP, INC. | 2730 SIDNEY STREET SUITE 330 PITTSBURGH, PA 15203 | SYMETRA LIFE INSURANCE COMPANY | $76K | — | $76K | 5.00% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP INC. | 210 SIXTH AVE. 30TH FL. PITTSBURGH, PA 15222 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $13K | $24K | 4.29% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP INC. | 210 6TH AVE. FL. 30 PITTSBURGH, PA 15222 | UNITED CONCORDIA INSURANCE COMPANY | $44K | $9K | $53K | 11.96% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES, LLC | 1933 STATE RTE 35 STE 368 WALL TOWNSHIP, NJ 07719 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $11K | $11K | 7.10% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP INC. | 2730 SIDNEY STREET SUITE 330 PITTSBURGH, PA 15203 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 2.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | PO BOX 2167 GRAND RAPIDS, MI 49501 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 2.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 1560 ORANGE AVENUE SUITE 750 WINTER PARK, FL 32789 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $6K | $9K | 6.07% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP | 210 SIXTH AVE. 30TH FLOOR PITTSBURGH, PA 15222 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $578 | — | $578 | 1.18% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP | 210 SIXTH AVE. 30TH FLOOR PITTSBURGH, PA 15222 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $9 | — | $9 | 1.21% |
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 | 789 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 796 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 1,129 | $442K |
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 1,008 | $50K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 817 | $295K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 817 | $556K |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 581 | $1.5M |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 817 | $295K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,129 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.