| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: HDH GROUP INC. THE | 210 SIXTH AVE. 30TH FLOOR PITTSBURGH, PA 15222 | UPMC HEALTH OPTIONS | $6K | — | $6K | 1.71% |
| ASSUREDPARTNERS3 Filed as: HDH GROUP INC. THE | 210 SIXTH AVE. 30TH FLOOR PITTSBURGH, PA 15222 | UPMC HEALTH OPTIONS | $4K | — | $4K | 1.74% |
| ASSUREDPARTNERS3 Filed as: HDH GROUP INC. THE | 210 SIXTH AVE. 30TH FLOOR PITTSBURGH, PA 15222 | UPMC HEALTH OPTIONS | $4K | — | $4K | 1.71% |
| ASSUREDPARTNERS3 Filed as: HDH GROUP INC. THE | 210 SIXTH AVE. 30TH FLOOR PITTSBURGH, PA 15222 | UPMC HEALTH OPTIONS | $4K | — | $4K | 1.65% |
| ASSUREDPARTNERS3 Filed as: HDH GROUP INC. THE | 210 SIXTH AVE. 30TH FLOOR PITTSBURGH, PA 15222 | UPMC HEALTH OPTIONS | $3K | — | $3K | 1.69% |
| ASSUREDPARTNERS3 Filed as: HDH GROUP INC. THE | 210 SIXTH AVE. 30TH FLOOR PITTSBURGH, PA 15222 | UPMC HEALTH OPTIONS | $2K | — | $2K | 1.74% |
| ASSUREDPARTNERS3 Filed as: HDH GROUP INC. THE | 210 SIXTH AVE. 30TH FLOOR PITTSBURGH, PA 15222 | UPMC HEALTH OPTIONS | $2K | — | $2K | 1.82% |
| ASSUREDPARTNERS3 Filed as: HDH GROUP INC. THE | 210 SIXTH AVE. 30TH FLOOR PITTSBURGH, PA 15222 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 1.64% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP, INC. | 444 LIBERTY AVE. FOUR GATEWAY CENTER SUITE 750 PITTSBURGH, PA 15222 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $598 | — | $598 | 0.86% |
| ASSUREDPARTNERS3 Filed as: HDH GROUP INC. THE | 210 SIXTH AVE. 30TH FLOOR PITTSBURGH, PA 15222 | UPMC HEALTH OPTIONS | $1K | — | $1K | 1.65% |
| ASSUREDPARTNERS3 Filed as: HDH GROUP INC. THE | 210 SIXTH AVE.30TH FLOOR PITTSBURGH, PA 15222 | LINCOLN NATIONAL LIFE INSURANCE CO. | $3K | — | $3K | 7.58% |
| TENTH DOT BENEFITS SOLUTIONS LLC3 | FOUR GATEWAY CENTER SUITE 750 PITTSBURGH, PA 15222 | LINCOLN NATIONAL LIFE INSURANCE CO. | $1K | — | $1K | 2.42% |
| ASSUREDPARTNERS3 Filed as: HDH GROUP INC. THE | 210 SIXTH AVE. 30TH FLOOR PITTSBURGH, PA 15222 | UPMC HEALTH OPTIONS | $700 | — | $700 | 1.66% |
| ASSUREDPARTNERS3 Filed as: HDH GROUP INC. THE | 210 SIXTH AVE. 30TH FLOOR PITTSBURGH, PA 15222 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 7.58% |
| TENTH DOT BENEFITS SOLUTIONS LLC3 | FOUR GATEWAY CENTER SUITE 750 PITTSBURGH, PA 15222 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $974 | — | $974 | 2.42% |
| ASSUREDPARTNERS3 Filed as: HDH GROUP INC. THE | 210 SIXTH AVE. 30TH FLOOR PITTSBURGH, PA 15222 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 7.53% |
| TENTH DOT BENEFITS SOLUTIONS LLC3 Filed as: TENTH DOT BENEFIT SOLUTIONS LLC | FOUR GATEWAY CENTER SUITE 750 PITTSBURGH, PA 15222 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $756 | — | $756 | 2.47% |
| ASSUREDPARTNERS3 Filed as: HDH GROUP INC THE | 210 SIXTH AVE. 30TH FLOOR PITTSBURGH, PA 15222 | UPMC HEALTH BENEFITS | $79 | — | $79 | 0.51% |
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 | 345 | 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) | 345 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(9 contracts) | UPMC HEALTH OPTIONS | 66 | $1.5M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 198 | $70K |
| Vision | UPMC HEALTH BENEFITS | 294 | $15K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 71 | $40K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE CO. | 71 | $44K |
| Prescription drug(9 contracts) | UPMC HEALTH OPTIONS | 66 | $1.5M |
| Other | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 100 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 294 | — |
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."
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.