| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP INC | 210 SIXTH AVENUE PITTSBURGH, PA 15222 | COMMUNITY INSURANCE COMPANY | $22K | $0 | $22K | 2.96% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B. OSWALD COMPANY | 1100 SUPERIOR AVENUE, SUITE 1500 CLEVELAND, OH 44114 | COMMUNITY INSURANCE COMPANY | $0 | $8K | $8K | 1.05% |
| ERC SERVICES INC3 | 3333 RICHOMOND ROAD, SUITE 210 BEACHWOOD, OH 44122 | COMMUNITY INSURANCE COMPANY | $4K | $0 | $4K | 0.46% |
| CLEARPATH BENEFIT ADVISORS LLC3 | 300 EAST BROAD STREET, SUITE 530 COLUMBUS, OH 43215 | COMMUNITY INSURANCE COMPANY | $62 | $0 | $62 | 0.01% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP INC | 210 SIXTH AVENUE, SUITE 330 PITTSBURGH, PA 15203 | AMERICAN UNITED LIFE INSURANCE COMPANY | $9K | $0 | $9K | 11.78% |
| ASSUREDPARTNERS3 | 1349 WEST LANE AVENUE, SUITE 900 COLUMBUS, OH 43221 | AMERICAN UNITED LIFE INSURANCE COMPANY | $728 | $0 | $728 | 1.01% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP INC | 210 SIXTH AVENUE, 30TH FLOOR PITTSBURGH, PA 15222 | DELTA DENTAL OF OHIO | $3K | $0 | $3K | 6.15% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP INC | PO BOX 868 DELAWARE, OH 43015 | VISION SERVICE PLAN | $855 | $0 | $855 | 9.14% |
| ASSUREDPARTNERS3 | 3900 KINROSS LAKES PARKWAY RICHFIELD, OH 44286 | VISION SERVICE PLAN | $79 | $0 | $79 | 0.84% |
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 | 108 | 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) | 108 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 125 | $761K |
| Dental | DELTA DENTAL OF OHIO | 155 | $49K |
| Vision | VISION SERVICE PLAN | 71 | $9K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 108 | $72K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 108 | $72K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 108 | $72K |
| Prescription drug | COMMUNITY INSURANCE COMPANY | 125 | $761K |
| Other | AMERICAN UNITED LIFE INSURANCE COMPANY | 108 | $72K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 155 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.