| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP, INC. | 210 6TH AVENUE 30TH FLOOR PITTSBURGH, PA 15222 | HM LIFE INSURANCE COMPANY | $41K | — | $41K | 5.00% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP INC. | 210 SIXTH AVE. 30TH FL. PITTSBURGH, PA 15222 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $7K | $17K | 3.13% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP INC. | 210 6TH AVE. FL. 30 PITTSBURGH, PA 15222 | UNITED CONCORDIA INSURANCE COMPANY | $40K | $9K | $49K | 12.16% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP INC. | 210 SIXTH AVE. 30TH FLOOR PITTSBURGH, PA 15222 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 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 | 0.92% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP, INC. | 210 6TH AVENUE 30TH FLOOR PITTSBURGH, PA 15222 | HM LIFE INSURANCE COMPANY | $5K | — | $5K | 5.00% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP | 210 SIXTH AVE. 30TH FLOOR PITTSBURGH, PA 15222 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $523 | — | $523 | 1.00% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP | 210 SIXTH AVE. 30TH FLOOR PITTSBURGH, PA 15222 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $7 | — | $7 | 0.95% |
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 | 747 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 752 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 1,018 | $402K |
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 895 | $53K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 747 | $283K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 752 | $538K |
| Stop-loss / reinsurancereinsurance(2 contracts) | HM LIFE INSURANCE COMPANY | 493 | $920K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 747 | $283K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,018 | — |
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.