| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GATEWAY BENEFITS DBA THE3 | 210 SIXTH AVENUE, 30TH FLOOR STE 3 PITTBURGH, PA 15222 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | $7K | $16K | 13.52% |
| GATEWAY BENEFITS DBA THE3 | 210 SIXTH AVE. 30TH FL SUITE 3 PITTSBURGH, PA 15222 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $3K | $6K | 13.83% |
| GATEWAY BENEFITS DBA THE3 | 210 SIXTH AVE. 30TH FL SUITE 3 PITTSBURGH, PA 15222 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $708 | $491 | $1K | 13.55% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP, INC. | 210 SIXTH AVENUE, 30TH FLOOR PITTSBURGH, PA 15222 | DELTA DENTAL OF PENNSYLVANIA | $2K | — | $2K | — |
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 | 358 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 360 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF PENNSYLVANIA | 281 | $0 |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 358 | $120K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 290 | $45K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 358 | $129K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 358 | — |
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."
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.