| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: HDH GROUP INC | 210 SIXTH AVENUE 30TH FLOOR PITTSBURGH, PA 15222 | HARFORD LIFE AND ACCIDENT | $26K | — | $26K | 8.62% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1591 GALBRAITH AVENUE, SE GRAND RAPIDS, MI 49546 | HARFORD LIFE AND ACCIDENT | — | $11K | $11K | 3.47% |
| SBR SERVICES LLC3 | 2839 PACES FERRY ROAD SE, SUITE 830 ATLANTA, GA 30339 | SYMETRA LIFE INSURANCE COMPANY | — | $17K | $17K | 7.01% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP, INC | — | GUARDIAN | $4K | $4K | $8K | 5.61% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP, INC. | 210 SIXTH AVENUE 30TH FLOOR PITTSBURGH, PA 15222 | EYEMED | $2K | — | $2K | 9.25% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BROKERAGE CONCEPTS, INC. EIN 11-3667763 CLAIMS ADMIN | Claims processing Service code 12 | 512 TOWNSHIP LINE ROAD VALLEY SQUARE OFFICE PARK, BLBNG. 1 BLUE BELL, PA 19422 | $92K |
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 | 231 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 235 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | GUARDIAN | 501 | $161K |
| Vision | EYEMED | 430 | $22K |
| Life insurance | HARFORD LIFE AND ACCIDENT | 377 | $305K |
| Short-term disability | HARFORD LIFE AND ACCIDENT | 377 | $305K |
| Long-term disability | HARFORD LIFE AND ACCIDENT | 377 | $305K |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 231 | $239K |
| Other | HARFORD LIFE AND ACCIDENT | 377 | $305K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 501 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.