| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHARLES A RHOADS3 Filed as: CHARLES A. RHOADS | 101 ALYSON DRIVE CANONSBURG, PA 15317 | HIGHMARK, INC. | $31K | $0 | $31K | 0.98% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL LIMITED | 210 6TH AVENUE, 30TH FLOOR SUITE 3 PITTSBURGH, PA 15222 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $13K | $0 | $13K | 7.13% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 EAST JACKSON BOULEVARD 14TH FLOOR, SUITE 14A CHICAGO, IL 60604 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $3K | $3K | 1.73% |
| ASSUREDPARTNERS3 Filed as: HDH GROUP, INC. | UNKNOWN PITTSBURGH, PA 15222 | UNITED CONCORDIA INSURANCE COMPANY | $0 | $3K | $3K | 2.00% |
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 | 225 | 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) | 225 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK, INC. | 501 | $3.1M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 509 | $128K |
| Vision | HIGHMARK, INC. | 501 | $3.1M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 225 | $181K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 225 | $181K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 225 | $181K |
| Prescription drug | HIGHMARK, INC. | 501 | $3.1M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 225 | $181K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 509 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.