| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP | 210 SIXTH AVENUE 30TH FLOOR PITTSBURGH, PA 15222 | THE HDH GROUP,INC. | $85K | — | $85K | 2.95% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP, INC. | 210 SIXTH AVENUE, 30TH FL PITTSBURGH, PA 15222 | MEDICAL ASSOCIATES | $4K | — | $4K | 3.68% |
| JOHN W DRAY3 Filed as: JOHN W. DRAY | 123 THOMAS ROAD MCMURRAY, PA 15317 | AFLAC | $3K | $189 | $3K | 8.56% |
| JENNIFER M HAIR3 Filed as: JENNIFER M. HAIR | 29 OAKVILLE COURT PITTSBURGH, PA 15220 | AFLAC | $200 | $18 | $218 | 0.67% |
| MICHAEL A. BITTEL3 Filed as: MICHAEL ANTHONY BITTEL | 129 MARION DRIVE CANONSBURG, PA 15317 | AFLAC | $189 | $22 | $211 | 0.65% |
| ELIZABETH MARIE LANGEVIN3 Filed as: ELIZABETH ANN RIFFE | 219 TIMBER RIDGE COURT CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $204 | — | $204 | 0.63% |
| JEFFREY CORREAL3 | 442 DUCK HOLLOW ROAD UNIONTOWN, PA 15401 | AFLAC | $152 | $22 | $174 | 0.53% |
| ETHAN ROBERT RIFFE3 | 5500 BROOKTREE ROAD, #102 WEXFORD, PA 15090 | AFLAC | $171 | — | $171 | 0.52% |
| RITA BERGSTEIN BENEFITS LLC3 Filed as: RITA M. BERGTEIN | 12260 STATE ROUTE 30 N. HUNTINGDON, PA 15642 | AFLAC | $149 | — | $149 | 0.46% |
| WAYNE UZARSKI3 Filed as: WAYNE J. UZARSKI | 125 TECHNOLOGY DRIVE, #201 CANONSBURG, PA 15317 | AFLAC | $127 | $18 | $145 | 0.44% |
| MARJORIE B. YACOPETTI3 | P. O. BOX 2152 LODI, CA 95241 | AFLAC | $62 | — | $62 | 0.19% |
| RIFFE CONSULTING GROUP LLC3 Filed as: RIFFE CONSULTING GROUP, LLC | 219 TIMBER RIDGE COURT CRANBERRY TWP, PA 16066 | AFLAC | $52 | — | $52 | 0.16% |
| ANCILLARY BENEFITS CONSULTING LLC3 Filed as: ANCILLARY BENEFITS CONSULTING, LLC | 125 TECHNOLOGY DRIVE, #201 CANONSBURG, PA 15241 | AFLAC | $31 | — | $31 | 0.09% |
| MARIO HAIFA3 | 216 WARWICK DRIVE PITTSBURGH, PA 15241 | AFLAC | $29 | — | $29 | 0.09% |
| JOY GRUBE PADGELEK3 | 1195 WASHINGTON PIKE, #300 BRIDGEVILLE, PA 15017 | AFLAC | $28 | — | $28 | 0.09% |
| BRIAN W PATTEN3 Filed as: BRIAN W. PATTEN | 120 MARGUERITE DRIVE, #101 CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $26 | — | $26 | 0.08% |
| JAMES BRADLEY SEIFERT3 | 157 MCCOY PLACE ROAD SEWICKLEY, PA 15143 | AFLAC | $21 | — | $21 | 0.06% |
| ROBERT PILKENTON3 Filed as: ROBERT L. PILKENTON | 6643 FM 2187 ROAD SEALY, TX 77474 | AFLAC | $21 | — | $21 | 0.06% |
| TERRELL & COMPANY INC3 Filed as: TERRELL & COMPANY, INC. | 4401 WESTOWN PKWY, #350 WEST DES MOINES, IA 50266 | AFLAC | $12 | — | $12 | 0.04% |
| GUSTAVO ARRIAGA II3 | 5237 N. RIVERSIDE DRIVE, #207 FORT WORTH, TX 76137 | AFLAC | $12 | — | $12 | 0.04% |
| JAMES S SARANTIS3 Filed as: JAMES S. SARANTIS | 14132 SE FIRCREST COURT PORTLAND, OR 97236 | AFLAC | $10 | — | $10 | 0.03% |
| CORY D NELSON3 Filed as: CORY D. NELSON | 215 HIGHWAY 965 NE NORTH LIBERTY, IA 52317 | AFLAC | $9 | — | $9 | 0.03% |
| ANA PATRICIA ARRIAGA3 | 980 ARLINGTON CIRCLE WOODLAND, CA 95695 | AFLAC | $6 | — | $6 | 0.02% |
| TINA M KECK3 Filed as: TINA M. KECK | 440 LOWELL STREET DUBUQUE, IA 52001 | AFLAC | $5 | — | $5 | 0.02% |
| THE TODD GROUP3 | 4409 BLAIR RIDGE ROAD CEDAR FALLS, IA 50613 | AFLAC | $4 | — | $4 | 0.01% |
| LES HEINSEN INS SERVICES INC3 Filed as: LES HEINSEN INS SERVICES, INC. | 4416 VIA PALAGIO FAIR OAKS, CA 95628 | AFLAC | $4 | — | $4 | 0.01% |
| ETHAN R. RIFFE3 | 219 TIMBER RIDGE COURT CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $2 | — | $2 | 0.01% |
| KACY A GRUENKEMEYER3 Filed as: KACY A. GRUENKEMEYER | 558 CLINGMANS LANE CHATTANOOGA, TN 37419 | AFLAC | $2 | — | $2 | 0.01% |
| AMY E COHEN3 Filed as: AMY MARIE LUDWICK | 316 BARBATO LANE SACRAMENTO, CA 95814 | AFLAC | $1 | — | $1 | 0.00% |
| MICHAEL C WALKER3 Filed as: MICHAEL JAMES RHODD | 4160 GREEN VALLEY ROAD FAIRFIELD, CA 94534 | AFLAC | $1 | — | $1 | 0.00% |
| AUSTIN J PETERSON3 Filed as: AUSTIN J. PETERSON | 11116 AURORA AVENUE URBANDALE, IA 50322 | AFLAC | $1 | — | $1 | 0.00% |
| SCOTT R FRITCHER3 Filed as: SCOTT R. FRITCHER | 3511 131ST STREET URBANDALE, IA 50323 | AFLAC | $1 | — | $1 | 0.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL LIMITED | 210 SIXTH AVENUE 30TH FLOOR, SUITE 3 PITTSBURGH, PA 15222 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $499 | $4K | 11.53% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP INC. | 210 SIXTH AVENUE, 30TH FLOOR PITTSBURGH, PA 15222 | VISION BENEFITS OF AMERICA | $1K | — | $1K | 5.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL LIMITED | 210 SIXTH AVENUE 30TH FLOOR, SUITE 3 PITTSBURGH, PA 15222 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $507 | $4K | 14.67% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL LIMITED | 210 SIXTH AVENUE 30TH FLOOR, SUITE 3 PITTSBURGH, PA 15222 | LIFE INSRANCE COMPANY OF NORTH AMERICA | $748 | $122 | $870 | 11.62% |
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) | THE HDH GROUP,INC. | 1,719 | $3.0M |
| Dental | THE HDH GROUP,INC. | 1,719 | $2.9M |
| Vision | VISION BENEFITS OF AMERICA | 274 | $28K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $31K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $27K |
| Prescription drug | THE HDH GROUP,INC. | 1,719 | $2.9M |
| Other(2 contracts, 2 carriers) | AFLAC | 29 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,719 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.