| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP INC. | 210 SIXTH AVENUE 30TH FLOOR PITTSBURGH, PA 15222 | SECURIAN LIFE INSURANCE COMPANY | — | $97K | $97K | 2.20% |
| BENEFITS ADVISORS SERVICES GROUP3 Filed as: BENEFITS ADVISORS SERVICES GRP LLC | 1120 SANCTUARY PKWY SUITE 375 ALPHARETTA, GA 30009 | SECURIAN LIFE INSURANCE COMPANY | — | $10K | $10K | 0.23% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP INC | 210 SIXTH AVE 30TH FLOOR PITTSBURGH, PA 15222 | LINCOLN FINANCIAL GROUP | $143K | $24K | $168K | 5.29% |
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 | 13,640 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2,606 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 16,246 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MAGELLAN HEALTH SERVICES | 13,711 | $220K |
| Life insurance | SECURIAN LIFE INSURANCE COMPANY | 21,462 | $4.4M |
| Long-term disability | LINCOLN FINANCIAL GROUP | 13,594 | $3.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 21,462 | — |
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."
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.