| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE HGH GROUP INC.3 | 210 SIXTH AVENUE 30TH FLOOR PITTSBURGH, PA 152222602 | UNITEDHEALTHCARE INSURANCE COMPANY | $10K | $40K | $50K | 3.05% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP INC. | 210 SIXTH AVENUE 30TH FLOOR PITTSBURGH, PA 152222602 | MEDICAL ASSOCIATES HEALTH PLANS | $16K | — | $16K | 5.69% |
| JOHN W DRAY3 Filed as: JOHN W. DRAY | 123 THOMAS ROAD MCMURRAY, PA 15317 | AFLAC | $3K | $132 | $3K | 10.19% |
| MICHAEL A. BITTEL3 Filed as: MICHAEL ANTHONY BITTEL | 129 MARION DRIVE CANONSBURG, PA 15317 | AFLAC | $301 | $26 | $327 | 0.97% |
| ELIZABETH MARIE LANGEVIN3 Filed as: ELIZABETH ANN RIFFE | 219 TIMBER RIDGE COURT CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $224 | — | $224 | 0.67% |
| MARIO HAIFA3 | 216 WARWICK DRIVE PITTSBURGH, PA 15241 | AFLAC | $208 | — | $208 | 0.62% |
| JEFFREY CORREAL3 | 420 JENNY LANE UNIONTOWN, PA 15401 | AFLAC | $167 | $26 | $193 | 0.57% |
| JEFFREY CORREAL3 | 442 DUCK HOLLOW ROAD UNIONTOWN, PA 15401 | AFLAC | $122 | — | $122 | 0.36% |
| ETHAN ROBERT RIFFE3 | 5500 BROOKTREE ROAD SUITE 102 WEXFORD, PA 15090 | AFLAC | $122 | — | $122 | 0.36% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL LIMITED | 210 SIXTH AVENUE 30TH FLOOR PITTSBURGH, PA 152222602 | CIGNA | $2K | -$54 | $2K | 9.75% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP INC. | 210 SIXTH AVENUE 30TH FLOOR PITTSBURGH, PA 152222602 | VISION BENEFITS OF AMERICA | $968 | — | $968 | 5.00% |
| GATEWAY BENEFITS DBA THE3 | 210 SIXTH AVENUE 30TH FLOOR SUITE 3 PITTSBURGH, PA 152222602 | CIGNA | $3K | $47 | $3K | 14.97% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL LIMITED | 210 SIXTH AVENUE 30TH FLOOR SUITE 3 PITTSBURGH, PA 152222602 | CIGNA | $519 | -$13 | $506 | 9.74% |
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 | 375 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 375 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 359 | $1.9M |
| Vision | VISION BENEFITS OF AMERICA | 164 | $19K |
| Life insurance | CIGNA | 375 | $21K |
| Long-term disability | CIGNA | 375 | $17K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 359 | $1.6M |
| Other(2 contracts, 2 carriers) | AFLAC | 375 | $39K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 375 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.