| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS Filed as: THE HDH GROUP | 210 SIXTH AVENUE PITTSBURGH, PA 15222 | GUARDIAN | $4K | — | $4K | 9.60% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP | 210 SIXTH AVENUE PITTSBURGH, PA 15222 | GUARDIAN | $1K | — | $1K | 9.28% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP | 210 SIXTH AVENUE PITTSBURGH, PA 15222 | EYEMED | $1K | — | $1K | 9.93% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP | 210 SIXTH AVENUE PITTSBURGH, PA 15222 | GUARDIAN | $1K | — | $1K | 13.00% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP | 1250 TOWER LANE ERIE, PA 16505 | VISION BENEFITS OF AMERICA | $406 | — | $406 | 7.03% |
| MANUFACTURER & BUSINESS ASSOCIATION Filed as: MANUFACTURER & BUSINESS ASSN. IN.AG | 2171 WEST 38TH STREET ERIE, PA 16508 | VISION BENEFITS OF AMERICA | $114 | — | $114 | 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 | — | $2K |
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 | 418 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 418 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts, 2 carriers) | EYEMED | 314 | $19K |
| Short-term disability | GUARDIAN | 103 | $14K |
| Long-term disability(2 contracts) | GUARDIAN | 236 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 314 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.