| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP INC | 210 6TH AVENUE PITTSBURGH, PA 15222 | AETNA LIFE INSURANCE COMPANY | $12K | $42K | $54K | 2.25% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP INC | 210 6TH AVENUE, 30TH FLOOR PITTSBURGH, PA 15222 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $22K | $6K | $27K | 21.68% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD, 2ND FLOOR HAUPPAUGE, NY 11788 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $6K | $6K | 5.00% |
| BENEFIT EDUCATORS LLC3 Filed as: BENEFIT EDUCATORS, LLC | 1053 GARRISON LANE SOUDERTON, PA 18964 | RELIASTAR LIFE INSURANCE COMPANY | $28K | $0 | $28K | 31.00% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP INC | 210 6TH AVENUE, 30TH FLOOR PITTSBURGH, PA 15222 | RELIASTAR LIFE INSURANCE COMPANY | $28K | $0 | $28K | 31.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | 670 CENTER DRIVE WEST, SUITE 1500 LOS ANGELES, CA 90045 | RELIASTAR LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.32% |
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 | 161 | 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) | 161 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 495 | $2.4M |
| Dental | AETNA LIFE INSURANCE COMPANY | 495 | $2.4M |
| Vision | AETNA LIFE INSURANCE COMPANY | 495 | $2.4M |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 205 | $126K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 205 | $126K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 205 | $126K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 495 | $2.4M |
| Other(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 495 | $2.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 495 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.