| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP INC. | 2730 SIDNEY ST. STE 330 PITTSBURGH, PA 15203 | COMMUNITY INSURANCE COMPANY | $102K | — | $102K | 0.77% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB HEARTLAND LLC | 8044 MONTGOMERY ROAD STE 640 CINCINNATI, OH 45236 | COMMUNITY INSURANCE COMPANY | $21K | — | $21K | 0.16% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SERVICE | PO BOX 2158 RIVERSIDE, CA 92516 | COMMUNITY INSURANCE COMPANY | — | $15K | $15K | 0.11% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | ONE WORLD FINANCIAL CENTER 200 LIBERTY ST. NEW YORK, NY 10281 | COMMUNITY INSURANCE COMPANY | -$6 | — | -$6 | -0.00% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP, INC. | 2730 SIDNEY ST. PITTSBURGH, PA 15203 | PRINCIPAL LIFE INSURANCE COMPANY | $193K | — | $193K | 15.15% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL LIMITED | 150 N RIVERSIDE PLZ STE 1700 CHICAGO, IL 60606 | PRINCIPAL LIFE INSURANCE COMPANY | — | $38K | $38K | 3.00% |
| BENE RE LLC3 | 5217 MONROE ST STE B TOLEDO, OH 43623 | RELIASTAR LIFE INSURANCE COMPANY | — | $15K | $15K | 8.00% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP, INC. | 2730 SIDNEY ST. STE 330 PITTSBURGH, PA 15203 | RELIASTAR LIFE INSURANCE COMPANY | $15K | — | $15K | 7.60% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB HEARTLAND LLC | 8044 MONTGOMERY ROAD STE 640 CINCINNATI, OH 45236 | RELIASTAR LIFE INSURANCE COMPANY | $5K | — | $5K | 2.40% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP, INC. | 210 SIXTH AVE 30TH FLOOR PITTSBURGH, PA 15222 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $15K | — | $15K | 12.62% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST, INC | 800 BOYLSTON STREET SUITE 600 BOSTON, MA 52199 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 1.93% |
| HUB INTERNATIONAL MIDWEST LIMITED4 Filed as: HUB HEARTLAND LLC | 210 SIXTH AVE FLOOR 30 PITTSBURGH, PA 15222 | LEGALSHIELD | $6K | — | $6K | 7.66% |
| WILLIAM J WALKER4 | 3215 WAYLAND RD WAYLAND, IA 52654 | LEGALSHIELD | $6K | — | $6K | 7.23% |
| WILLIS TOWERS WATSON US LLC4 Filed as: WILLIS TOWERS WATSON SE, INC. | 806 TYVOLA RD. STE 108 CHARLOTTE, NC 28217 | LEGALSHIELD | $2K | — | $2K | 2.81% |
| DAVID A. SAVULA4 Filed as: DAVID J SAVULA | 480 RIVERHILL DR ATLANTA, GA 30328 | LEGALSHIELD | $447 | — | $447 | 0.57% |
| THE LITTLE GROUP LLC4 | 5017 NEW TRENTON RD WEST HARRISON, IN 47060 | LEGALSHIELD | $447 | — | $447 | 0.57% |
| PML INC4 | 11410 STONECREEK DR PICKERINGTON, OH 43147 | LEGALSHIELD | $149 | — | $149 | 0.19% |
| CAROL PURDY FIELDS4 Filed as: CAROL CLINTON SMITH MARITAL TRUST | 3317 WAUWINET WAY NORMAN, OK 73071 | LEGALSHIELD | $149 | — | $149 | 0.19% |
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 | 1,333 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,340 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 2,318 | $13.3M |
| Dental | COMMUNITY INSURANCE COMPANY | 2,318 | $13.3M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 2,033 | $121K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 1,658 | $1.3M |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 1,658 | $1.3M |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 1,658 | $1.3M |
| Other(3 contracts, 3 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 1,658 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,318 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.