| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: HDH GROUP INC. | 210 SIXTH AVENUE 30TH FLOOR PITTSBURGH, PA 15222 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $5K | $15K | 14.80% |
| ASSUREDPARTNERS3 Filed as: HDH GROUP INC. | 210 SIXTH AVENUE 30TH FLOOR PITTSBURGH, PA 15222 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $15K | $3K | $18K | 24.62% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP INC. | 210 SIXTH AVENUE 30TH FLOOR PITTSBURGH, PA 15222 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $3K | $11K | 19.54% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP INC. | 210 SIXTH AVENUE 30TH FLOOR PITTSBURGH, PA 15222 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | $2K | $13K | 35.12% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP | 210 6TH AVE 30TH FLOOR PITTSBURGH, PA 15222 | HIGHMARK INC. | $2K | — | $2K | 5.05% |
| RYAN, AMANDA K3 | 525 N 12TH ST LEMOYNE, PA 17043 | HIGHMARK INC. | $2K | — | $2K | 4.96% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP INC. | 210 SIXTH AVENUE 30TH FLOOR PITTSBURGH, PA 15222 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $1K | $9K | 34.92% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP INC. | 210 SIXTH AVENUE 30TH FLOOR PITTSBURGH, PA 15222 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $844 | $844 | 4.44% |
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 | 294 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 35 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 330 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | HIGHMARK INC. | 490 | $37K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 401 | $92K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 127 | $99K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 99 | $56K |
| Other(4 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 401 | $95K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 490 | — |
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.