| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP | 210 SIXTH AVENUE FLR 30 PITTSBURGH, PA 15222 | METROPOLITAN LIFE INSURANCE COMPANY | $348K | $34K | $382K | 6.22% |
| TENTH DOT BENEFITS SOLUTIONS LLC3 | 444 LIBERTY AVENUE SUITE 750 PITTSBURGH, PA 152221224 | METROPOLITAN LIFE INSURANCE COMPANY | $60K | $15K | $74K | 1.21% |
| JOHN G TAYLOR3 Filed as: JOHN SCARBOROUGH | 800 CLANTON RD UNIT U CHARLOTTE, NC 28217 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 0.90% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP | 210 SIXTH AVENUE FLR 30 PITTSBURGH, PA 15222 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 0.42% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF WISCONSIN INC. | — | DELTA DENTAL OF WISCONSIN | $2K | $0 | $2K | 4.43% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE | SERVICES INC. 1820 E. FIRST ST SUITE 500 SANTA ANA, CA 92705 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $503 | — | $503 | 10.00% |
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 | 7,057 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5,002 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 12,059 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | 322 | $1.9M |
| Dental(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 21,176 | $8.1M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 21,176 | $6.1M |
| Short-term disability(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 21,176 | $7.0M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 21,176 | $6.1M |
| Other(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 21,176 | $6.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 21,176 | — |
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."
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.