| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NE LIMITED | 401 BROADHALLOW RD STE 200 MELVILLE, NY 11747 | STANDARD INSURANCE COMPANY | $0 | $1K | $1K | 4.94% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP INC | UNKNOWN PITTSBURGH, PA 15222 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 8.16% |
| BARBARA BAXTER DEJOHN3 | 1154 TIDEWOOD DRIVE BETHEL PARK, PA 15102 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $129 | $2K | 6.77% |
| HENDERSON BROTHERS, INC.3 Filed as: HENDERSON BROTHERS INC | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $844 | $0 | $844 | 3.07% |
| TIMOTHY J SLATER3 Filed as: TIMOTHY J. SLATER | 466 CARNEGIE DRIVE PITTSBURGH, PA 15243 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $576 | $61 | $637 | 2.32% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL J. SLATER | 1624 HOLLY HILL DRIVE BETHEL PARK, PA 15102 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $442 | $18 | $460 | 1.67% |
| KATI NAIRN3 | 114 JAMES DRIVE BEAVER, PA 15009 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $349 | $0 | $349 | 1.27% |
| HOWARD HOROWITZ3 Filed as: HOWARD J. HOROWITZ | 2610 ALCOTT STREET CARMEL, IN 46032 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $67 | $8 | $75 | 0.27% |
| BRANDON MARCELLO CENTO3 | 13816 FERNLEAF WAY CARMEL, IN 46033 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $0 | $5 | 0.02% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NE LIMITED | 401 BROADHALLOW RD STE 200 MELVILLE, NY 11747 | STANDARD INSURANCE COMPANY | $0 | $1K | $1K | 4.86% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NE LIMITED | 401 BROADHALLOW RD STE 200 MELVILLE, NY 11747 | STANDARD INSURANCE COMPANY | $0 | $1K | $1K | 4.86% |
| HENDERSON BROTHERS, INC.3 Filed as: HENDERSON BROTHERS INC | 930 FORT DUQUESNE BLVD PITTSBURGH, PA 15222 | STANDARD INSURANCE COMPANY | $873 | $0 | $873 | 4.04% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP INC | 2730 SIDNEY ST STE 300 PITTSBURGH, PA 15203 | STANDARD INSURANCE COMPANY | $590 | $0 | $590 | 2.73% |
| HENDERSON BROTHERS, INC.3 Filed as: HENDERSON BROTHERS INC | 920 FORT DUQUESNE BLVD PITTSBURGH, PA 15222 | VISION SERVICE PLAN | $666 | $0 | $666 | 4.15% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP INC | 2730 SIDNEY STREET, SUITE 330 PITTSBURGH, PA 15203 | VISION SERVICE PLAN | $293 | $0 | $293 | 1.82% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THE BENECON GROUP EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $28K |
| MERITAIN HEALTH, AN AETNA COMPANY EIN 16-1264154 ADMIN | Claims processing Service code 12 | — | $22K |
| UNITED CONCORDIA COMPANIES, INC. EIN 25-1687586 ADMIN | Claims processing Service code 12 | — | $10K |
| INNOVU EIN 81-1938789 OTHER | Other services Service code 49 | — | $1K |
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 | 114 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 96 | $16K |
| Life insurance | STANDARD INSURANCE COMPANY | 114 | $22K |
| Short-term disability | STANDARD INSURANCE COMPANY | 114 | $24K |
| Long-term disability | STANDARD INSURANCE COMPANY | 114 | $30K |
| Stop-loss / reinsurancereinsurance | AVALON INSURANCE COMPANY | 94 | $96K |
| Other(3 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 110 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 114 | — |
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.