| 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 | $4K | $3K | $7K | 4.80% |
| GATEWAY BENEFITS DBA THE3 | 210 SIXTH AVE 30TH FLOOR SUITE 3 PITTSBURGH, PA 15222 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 4.34% |
| GATEWAY BENEFITS DBA THE3 | 210 6TH AVE 30TH FL STE 3 PITTSBURGH, PA 15222 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 9.24% |
| GATEWAY BENEFITS DBA THE3 | 210 6TH AVE 30TH FL STE 3 PITTSBURGH, PA 15222 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 9.18% |
| GATEWAY BENEFITS DBA THE3 | 210 6TH AVE 30TH FL STE 3 PITTSBURGH, PA 15222 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 11.87% |
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 | 660 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 668 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 761 | $148K |
| Vision | HIGHMARK | 590 | $43K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 722 | $90K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 67 | $21K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 116 | $47K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 722 | $100K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 761 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.