| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP, INC | 210 SIXTH AVENUE 30TH FLOOR PITTSBURGH, PA 15222 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $28K | $28K | 2.50% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP INC. | 210 SIXTH STREET 30TH FLOOR PITTSBURGH, PA 152222602 | DELTA DENTAL OF PENNSYLVANIA | $3K | — | $3K | 5.00% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP, INC. | 210 SIXTH AVENUE 30TH FLOOR PITTSBURGH, PA 152222602 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $4K | $13K | 21.63% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP, INC. | 210 SIXTH AVENUE 30TH FLOOR PITTSBURGH, PA 152222602 | VISION BENEFITS OF AMERICA | $405 | — | $405 | 3.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THE DIFFERENCE CARD EIN 32-0350568 TPA | Claims processing Service code 12 | — | $11K |
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 | 122 | 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) | 123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 124 | $1.1M |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 165 | $67K |
| Vision | VISION BENEFITS OF AMERICA | 116 | $12K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 122 | $61K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 122 | $61K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 122 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 165 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.