| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RXBENEFITS, INC.5 | 3700 COLONNADE PARKWAY, SUITE 600 BIRMINGHAM, AL 35243 | RXBENEFITS, INC. | — | $3K | $3K | 0.37% |
| FRISSORA & ASSOCIATES LLC3 | 103 BRADFORD ROAD, SUITE 105 WEXFORD, PA 15090 | SYMETRA LIFE INSURANCE COMPANY | $10K | $12K | $22K | 5.58% |
| ASSUREDPARTNERS3 Filed as: HDH GROUP | 1250 TOWER LANE ERIE, PA 16505 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP, INC | — | HIGHMARK INC. | $499 | — | $499 | 2.86% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP, INC | — | DELTA DENTAL OF PENNSYLVANIA | $4K | — | $4K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH EIN 16-1264154 CLAIMS ADMIN | Claims processing Service code 12 | — | $175K |
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 | 224 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | 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 |
|---|---|---|---|
| Dental | DELTA DENTAL OF PENNSYLVANIA | 290 | $0 |
| Vision | HIGHMARK INC. | 285 | $17K |
| Life insurance | BOSTON MUTUAL LIFE INSURANCE COMPANY | 228 | $29K |
| Prescription drug | RXBENEFITS, INC. | 229 | $695K |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 218 | $387K |
| Other(2 contracts, 2 carriers) | BOSTON MUTUAL LIFE INSURANCE COMPANY | 228 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 290 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.