| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RX BENEFITS3 Filed as: RX BENEFITS, INC | 3700 COLONNADE PARKWAY, SUITE 600 BIRMINGHAM, AL 35243 | RX BENEFITS, INC | — | $9K | $9K | 2.25% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP INC | 210 SIXTH AVENUE 30TH FLR PITTSBURGH, PA 15222 | HM LIFE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP INC | 210 SIXTH AVENUE 30TH FLR PITTSBURGH, PA 15222 | HUMANA INSURANCE COMPANY | $15K | — | $15K | 9.80% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP INC | 1007 MUMMA ROAD STE 200 WORMLEYSBURG, PA 17043 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | — | $13K | 13.00% |
| ROYAL OAK BENEFITS INVSTMTS LLC3 Filed as: ROYAL OAK BENEFITS | 3909 WASHINGTON ROAD STE 311 MCMURRAY, PA 15317 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 12.00% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP INC | 1007 MUMMA ROAD STE 200 WORMLEYSBURG, PA 17043 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 8.00% |
| ROYAL OAK BENEFITS INVSTMTS LLC3 Filed as: ROYAL OAK BENEFITS | 3909 WASHINGTON ROAD STE 311 MCMURRAY, PA 15317 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 9.00% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP INC | 1007 MUMMA ROAD STE 200 WORMLEYSBURG, PA 17043 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 6.00% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP INC | 1007 MUMMA ROAD STE 200 WORMLEYSBURG, PA 17043 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $609 | — | $609 | 13.32% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK INC. EIN 23-1294723 | Contract Administrator Service code 13 | 120 FIFTH AVENUE PITTSBURGH, PA 15222 | $205K |
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 | 367 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 367 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HUMANA INSURANCE COMPANY | 243 | $149K |
| Vision | HUMANA INSURANCE COMPANY | 243 | $149K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 330 | $5K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 330 | $97K |
| Prescription drug | RX BENEFITS, INC | 310 | $398K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 302 | $288K |
| Other(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 330 | $105K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 330 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.