| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP, INC. | 210 SIXTH AVENUE 30TH FLOOR PITTSBURGH, PA 15222 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $101K | — | $101K | 11.37% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $145 | $145 | 0.02% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 669 RIVER DRIVE SUITE 305 ELMWOOD PARK, NJ 07407 | STANDARD INSURANCE COMPANY | $5K | $1K | $6K | 5.64% |
| KMRD PARTNERS3 | 2600 KELLY ROAD SUITE 120 WARRINGTON, PA 18976 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 4.67% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 669 RIVER DRIVE SUITE 305 ELMWOOD PARK, NJ 07407 | STANDARD INSURANCE COMPANY | $4K | $1K | $6K | 5.64% |
| KMRD PARTNERS3 | 2600 KELLY ROAD SUITE 120 WARRINGTON, PA 18976 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 3.85% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP, INC. | 210 SIXTH AVENUE 30TH FLOOR PITTSBURGH, PA 15222 | GEISINGER QUALITY OPTIONS, INC. | $720 | $30 | $750 | 0.79% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 669 RIVER DRIVE SUITE 305 ELMWOOD PARK, NJ 07407 | STANDARD INSURANCE COMPANY | $4K | $1K | $5K | 5.65% |
| KMRD PARTNERS3 | 2600 KELLY ROAD SUITE 120 WARRINGTON, PA 18976 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 3.97% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 669 RIVER DRIVE SUITE 305 ELMWOOD PARK, NJ 07407 | STANDARD INSURANCE COMPANY | $3K | $376 | $4K | 5.59% |
| KMRD PARTNERS3 | 2600 KELLY ROAD SUITE 120 WARRINGTON, PA 18976 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 2.98% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 669 RIVER DRIVE SUITE 305 ELMWOOD PARK, NJ 07407 | STANDARD INSURANCE COMPANY | $633 | $152 | $785 | 6.25% |
| KMRD PARTNERS3 | 2600 KELLY ROAD SUITE 120 WARRINGTON, PA 18976 | STANDARD INSURANCE COMPANY | $308 | — | $308 | 2.45% |
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 | 829 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 829 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GEISINGER QUALITY OPTIONS, INC. | 4 | $95K |
| Dental(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 748 | $402K |
| Vision(2 contracts, 2 carriers) | HIGHMARK | 1,844 | $115K |
| Life insurance(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 808 | $989K |
| Short-term disability(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 808 | $984K |
| Long-term disability(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 808 | $998K |
| Stop-loss / reinsurancereinsurance(2 contracts) | HM LIFE INSURANCE COMPANY | 696 | $960K |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 808 | $891K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,844 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.