| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS Filed as: THE HDH GROUP | 210 SIXTH AVENUE PITTSBURGH, PA 15222 | GUARDIAN | $5K | — | $5K | 9.33% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP | 210 SIXTH AVENUE PITTSBURGH, PA 15222 | GUARDIAN | $1K | — | $1K | 9.35% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP | 210 SIXTH AVENUE PITTSBURGH, PA 15222 | EYEMED | $1K | — | $1K | 9.92% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP | 210 SIXTH AVENUE PITTSBURGH, PA 15222 | GUARDIAN | $1K | — | $1K | 13.00% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP | 210 SIXTH AVENUE PITTSBURGH, PA 15222 | VISION BENEFITS OF AMERICA | $375 | — | $375 | 7.04% |
| THE DJB GROUP3 Filed as: THE DJB GROUP INC | 262 CHESTNUT STREET, SUITE 200 MEADVILLE, PA 16335 | VISION BENEFITS OF AMERICA | $105 | — | $105 | 1.97% |
| MANUFACTURER & BUSINESS ASSOCIATION3 | 2171 WEST 38TH STREET ERIE, PA 16508 | VISION BENEFITS OF AMERICA | $105 | — | $105 | 1.97% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DELTA DENTAL OF MICHIGAN EIN 38-1791480 BENEFIT ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $13K |
| THE HDH GROUP, INC | Insurance agents and brokers Service code 22 | — | $3K |
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 | 399 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 399 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts, 2 carriers) | EYEMED | 332 | $20K |
| Short-term disability | GUARDIAN | 89 | $15K |
| Long-term disability(2 contracts) | GUARDIAN | 244 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 332 | — |
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.