| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP INC. | 210 6TH AVE 30TH FL PITTSBURGH, PA 15222 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $677 | $3K | 2.31% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 | 600 WATERFRONT DRIVE SUITE 225 PITTSBURGH, PA 15222 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 1.19% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 | 600 WATERFRONT DRIVE SUITE 225 PITTSBURGH, PA 15222 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 2.28% |
| GATEWAY BENEFITS3 | 210 6TH AVE 30TH FL STE 3 PITTSBURGH, PA 15222 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 2.09% |
| GATEWAY BENEFITS DBA THE3 | 210 6TH AVE 30TH FL STE 3 PITTSBURGH, PA 15222 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 5.24% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 | 600 WATERFRONT DRIVE SUITE 225 PITTSBURGH, PA 15222 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 4.12% |
| GATEWAY BENEFITS DBA THE3 | 210 6TH AVE 30TH FL STE 3 PITTSBURGH, PA 15222 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 6.12% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 | 600 WATERFRONT DRIVE, STE 225 PITTSBURGH, PA 15222 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $699 | — | $699 | 3.70% |
| GATEWAY BENEFITS DBA THE3 | 210 6TH AVE 30TH FL STE 3 PITTSBURGH, PA 15222 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $837 | — | $837 | 7.67% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC EMPLOYEE BENEFITS | 600 WATERFRONT DRIVE SUITE 225 PITTSBURGH, PA 15222 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $473 | — | $473 | 4.33% |
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 | 662 | 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) | 662 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 759 | $130K |
| Vision | HIGHMARK | 563 | $39K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 662 | $89K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 72 | $19K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 128 | $46K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 662 | $100K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 759 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.