| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP, INC. | 210 SIXTH AVENUE PITTSBURGH, PA 15222 | UPMC HEALTH OPTIONS | $42K | — | $42K | 1.66% |
| TENTH DOT BENEFITS SOLUTIONS LLC3 | 4 GATEWAY CENTER SUITE 750 PITTSBURGH, PA 15222 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 2.08% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP, INC. | 210 SIXTH AVENUE 30TH FLOOR PITTSBURGH, PA 15222 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | — | $13K | 14.96% |
| TENTH DOT BENEFITS SOLUTIONS LLC3 | 4 GATEWAY CENTER SUITE 750 PITTSBURGH, PA 15222 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 2.21% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP | 210 SIXTH AVENUE PITTSBURGH, PA 15222 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $5K | — | $5K | 9.11% |
| TENTH DOT BENEFITS SOLUTIONS LLC3 | 4 GATEWAY CENTER SUITE 750 PITTSBURGH, PA 15222 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 2.28% |
| TENTH DOT BENEFITS SOLUTIONS LLC3 Filed as: TENTH DOT BENEFIT SOLUTIONS LLC | 4 GATEWAY CENTER SUITE 750 PITTSBURGH, PA 15222 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 3.39% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP, INC. | 210 SIXTH AVENUE PITTSBURGH, PA 15222 | UPMC HEALTH OPTIONS | $693 | — | $693 | 2.16% |
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 | 390 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 395 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | HIGHMARK INC. | 556 | $5.3M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 895 | $309K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 1,013 | $56K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 390 | $118K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 390 | $132K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 390 | $45K |
| Prescription drug | HIGHMARK, INC. | 556 | $850K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 390 | $203K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,013 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.