| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP, INC. | PO BOX 868 DELAWARE, OH 43015 | UNITED HEALTHCARE INSURANCE COMPANY | $24K | $804 | $24K | 2.89% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP INC | 210 SIXTH AVENUE 30TH FLOOR PITTSBURGH, PA 15222 | PRINCIPAL LIFE INSURANCE COMPANY | $11K | — | $11K | 13.11% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD HAUPPAUGE, NY 11788 | PRINCIPAL LIFE INSURANCE COMPANY | — | $6K | $6K | 7.54% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL LIMITED | 150 N RIVERSIDE PLZ, SUITE 1700 CHICAGO, IL 60606 | PRINCIPAL LIFE INSURANCE COMPANY | — | $2K | $2K | 2.10% |
| PREFERRED BENEFITS SERVICES AGENCY3 | 611 SOUTH SANDUSKY STREET DELAWARE, OH 43015 | DELTA DENTAL OF OHIO | $4K | — | $4K | 10.04% |
| INTEGRATED EMPLOYEE BENEFIT SOLUTIO3 | 1601 HEALTHERWAE LOOP POWELL, OH 43065 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $45 | — | $45 | 7.68% |
| DENNIS N SHAY3 | 409 MANILA PLACE WESTERVILLE, OH 43081 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.51% |
| HOWARD MESZAROS3 | 8680 COLVIN DRIVE PLAN CITY, OH 43064 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.51% |
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 | 100 | 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) | 100 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 102 | $842K |
| Dental | DELTA DENTAL OF OHIO | 135 | $37K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 154 | $82K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 154 | $82K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 154 | $82K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 154 | $82K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 3 | $586 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 154 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.