| 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% |
| EMBROOK BENEFITS CONSULTING, LLC3 Filed as: EMBROOK BENEFITS CONSULTING | 1601 MEADOWBROOD ROAD MEADOWBROOK, PA 19046 | PRUDENTIAL | — | — | $0 | 0.00% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO INC | 350 5TH AVE STE 3700 NEW YORK, NY 10118 | PRUDENTIAL | — | — | $0 | 0.00% |
| ASSUREDPARTNERS3 Filed as: HDH GROUP INC | 210 6TH AVE PITTSBURGH, PA 15222 | PRUDENTIAL | $65K | — | $65K | 40.46% |
| AXA ASSISTANCE, USA Filed as: AXA ASSISTANCE USA | 122 SOUTH MICHIGAN AVE CHICAGO, IL 60603 | PRUDENTIAL | — | $203 | $203 | 0.13% |
| ASSUREDPARTNERS3 Filed as: HDH GROUP INC | 210 6TH AVE PITTSBURGH, PA 15222 | HM LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| AXA ASSISTANCE, USA5 Filed as: AXA ASSISTANCE USA | 122 SOUTH MICHIGAN AVE CHICAGO, IL 60603 | PRUDENTIAL | — | — | $0 | 0.00% |
| ASSUREDPARTNERS3 Filed as: HDH GROUP INC | 30TH FLOOR 6TH AVE PITTSBURGH, PA 15222 | PRUDENTIAL | — | — | $0 | 0.00% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO INC | 350 5TH AVE STE 3700 NEW YORK, NY 10118 | STANDARD INSURANCE COMPANY | — | — | $0 | — |
| EMBROOK BENEFITS CONSULTING, LLC3 Filed as: EMBROOK BENEFITS CONSULTING | 1601 MEADOWBROOD ROAD MEADOWBROOK, PA 19046 | STANDARD INSURANCE COMPANY | — | — | $0 | — |
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 | 613 | Currently employed and enrolled or eligible. |
| Retired/separated still eligible | 613 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,226 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(6 contracts, 2 carriers) | PRUDENTIAL | 532 | $209K |
| Short-term disability(3 contracts, 2 carriers) | PRUDENTIAL | 531 | $180K |
| Long-term disability(5 contracts, 2 carriers) | PRUDENTIAL | 528 | $184K |
| Stop-loss / reinsurancereinsurance(3 contracts, 2 carriers) | HM LIFE INSURANCE COMPANY | 545 | $676K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 545 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.