| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: HDH GROUP INC | 210 SIXTH AVENUE, 30TH FLOOR PITTSBURGH, PA 15222 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $56K | $0 | $56K | 14.45% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP, INC. | 210 SIXTH AVENUE, 30TH FLOOR PITTSBURGH, PA 15222 | DELTA DENTAL OF OHIO | $32K | $0 | $32K | 9.04% |
| BENEFITSTORE INC3 | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | METROPOLITAN LIFE INSURANCE COMPANY | $53K | $4K | $57K | 28.09% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP INC | 611 SOUTH SANDUSKY STREET DELAWARE, OH 43015 | METROPOLITAN LIFE INSURANCE COMPANY | $19K | $0 | $19K | 9.35% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD, SUITE 200 HAUPPAUGE, NY 11788 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $35 | $2K | 0.93% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP INC | PO BOX 868 DELAWARE, OH 43015 | VISION SERVICE PLAN | $9K | $0 | $9K | 9.43% |
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 | 2,170 | 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) | 2,170 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF OHIO | 1,530 | $354K |
| Vision | VISION SERVICE PLAN | 906 | $99K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 2,170 | $387K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 2,170 | $387K |
| Other(3 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 2,170 | $683K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,170 | — |
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.