| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP, INC. | 210 6TH AVENUE, SUITE 3 PITTSBURGH, PA 15222 | STANDARD INSURANCE COMPANY | $24K | — | $24K | 6.50% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 Filed as: BENEFIT ADVISORS SERVICES GROUP | 1125 SANCTUARY PARKWAY, SUITE 300 ALPHARETTA, GA 300097614 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 1.00% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP, INC. | 210 6TH AVENUE PITTSBURGH, PA 15222 | UNITED CONCORDIA INSURANCE COMPANY | $10K | $5K | $16K | 5.12% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP, INC. | 210 6TH AVE, 30TH FLOOR PITTSBURGH, PA 15222 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $3K | — | $3K | 1.85% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP, INC. | 210 6TH AVENUE PITTSBURGH, PA 15222 | EYEMED | $3K | — | $3K | 4.64% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP, INC. | 210 6TH AVENUE PITTSBURGH, PA 15222 | EYEMED | $80 | — | $80 | 4.22% |
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 | 464 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 25 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 489 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 1,369 | $304K |
| Vision(2 contracts) | EYEMED | 1,051 | $63K |
| Life insurance | STANDARD INSURANCE COMPANY | 552 | $362K |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 458 | $149K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 464 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,369 | — |
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.