| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP INC | PO BOX 868 DELAWARE, OH 43015 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $809 | $809 | 0.58% |
| MARSH & MCLENNAN AGENCY LLC3 | 32358 COLLECTION CENTER DRIVE CHICAGO, IL 60693 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $583 | $583 | 0.42% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP INC | PO BOX 868 DELAWARE, OH 43015 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $490 | $490 | 0.56% |
| MARSH & MCLENNAN AGENCY LLC3 | 32358 COLLECTION CENTER DRIVE CHICAGO, IL 60693 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $423 | $423 | 0.48% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP INC | PO BOX 868 DELAWARE, OH 43015 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $343 | $343 | 0.84% |
| MARSH & MCLENNAN AGENCY LLC3 | 32358 COLLECTION CENTER DRIVE CHICAGO, IL 60693 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $177 | $177 | 0.43% |
| USI INSURANCE SERVICES LLC3 | 1301 EAST NINTH STREET, STE 3800 CLEVELAND, OH 44114 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $898 | $0 | $898 | 6.99% |
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 | 382 | 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) | 382 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 382 | $226K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 382 | $179K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 382 | $239K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 382 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.