| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: HDH GROUP INC | 210 6TH AVE PITTSBURGH, PA 15222 | HM LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| ASSUREDPARTNERS3 Filed as: HDH GROUP INC | 30TH FLOOR 6TH AVE PITTSBURGH, PA 15222 | PRUDENTIAL | $54K | — | $54K | 40.06% |
| EMBROOK BENEFITS CONSULTING, LLC3 Filed as: EMBROOK BENEFITS CONSULTING | 1601 MEADOWBROOD ROAD MEADOWBROOK, PA 19046 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 6.83% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO INC | 350 5TH AVE STE 3700 NEW YORK, NY 10118 | STANDARD INSURANCE COMPANY | $114 | — | $114 | 0.17% |
| EMBROOK BENEFITS CONSULTING, LLC3 Filed as: EMBROOK BENEFITS CONSULTING | 1601 MEADOWBROOD ROAD MEADOWBROOK, PA 19046 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 4.94% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO INC | 350 5TH AVE STE 3700 NEW YORK, NY 10118 | STANDARD INSURANCE COMPANY | $222 | — | $222 | 0.37% |
| EMBROOK BENEFITS CONSULTING, LLC3 Filed as: EMBROOK BENEFITS CONSULTING | 1601 MEADOWBROOD ROAD MEADOWBROOK, PA 19046 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 5.05% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO INC | 350 5TH AVE STE 3700 NEW YORK, NY 10118 | STANDARD INSURANCE COMPANY | $246 | — | $246 | 0.43% |
| AXA ASSISTANCE, USA5 Filed as: AXA ASSISTANCE USA | 122 SOUTH MICHIGAN AVE CHICAGO, IL 60603 | PRUDENTIAL | — | $146 | $146 | — |
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 | 584 | Currently employed and enrolled or eligible. |
| Retired/separated still eligible | 584 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,168 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(7 contracts, 2 carriers) | PRUDENTIAL | 494 | $248K |
| Short-term disability(2 contracts, 2 carriers) | PRUDENTIAL | 215 | $192K |
| Long-term disability(4 contracts, 2 carriers) | PRUDENTIAL | 491 | $277K |
| Stop-loss / reinsurancereinsurance(3 contracts, 2 carriers) | HM LIFE INSURANCE COMPANY | 529 | $549K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 529 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.