| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP INC | 210 6TH AVE FL 30 PITTSBURGH, PA 15222 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $27K | $7K | $34K | 32.05% |
| WATCHTOWER BENEFITS, LLC3 | 227 W MONROE ST STE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 1.50% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP INC | 210 6TH AVE FL 30 PITTSBURGH, PA 15222 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | $4K | $17K | 24.31% |
| WATCHTOWER BENEFITS, LLC3 | 227 W MONROE ST STE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 1.50% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP INC | 210 6TH AVE FL 30 PITTSBURGH, PA 15222 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $4K | $4K | 7.00% |
| WATCHTOWER BENEFITS, LLC3 | 227 W MONROE ST STE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $795 | $795 | 1.50% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP INC. | 210 6TH AVE FL 30 PITTSBURGH, PA 15222 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | $3K | — | $3K | 10.75% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP INC | 210 6TH AVE FL 30 PITTSBURGH, PA 15222 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $6K | 22.26% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP INC | 210 6TH AVE FL 30 PITTSBURGH, PA 15222 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $6K | 22.85% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP INC | 210 6TH AVE FL 30 PITTSBURGH, PA 15222 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $4K | 21.94% |
| WATCHTOWER BENEFITS, LLC3 | 227 W MONROE ST STE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $260 | $260 | 1.50% |
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 | 345 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 14 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 359 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | 485 | $31K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 404 | $123K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 248 | $68K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 243 | $53K |
| Other(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 404 | $177K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 485 | — |
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.