| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP, INC. | 210 6TH AVENUE, 30TH FLOOR PITTSBURGH, PA 15222 | HIGHMARK INC. | $112K | $0 | $112K | 2.86% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP, INC. | 210 6TH AVENUE, 30TH FLOOR PITTSBURGH, PA 15222 | METROPOLITAN LIFE INSURANCE COMPANY | $33K | $1K | $34K | 13.08% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 101 HUNTINGTON AVENUE, SUITE 401 BOSTON, MA 02199 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $33 | $33 | 0.01% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP, INC. | UNKNOWN PITTSBURGH, PA 15212 | DELTA DENTAL OF PENNSYLVANIA | $12K | $0 | $12K | 5.00% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP, INC. | 210 6TH AVENUE, 30TH FLOOR PITTSBURGH, PA 15222 | VISION SERVICE PLAN | $3K | $0 | $3K | 6.19% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 101 HUNTINGTON AVENUE, SUITE 401 BOSTON, MA 02199 | VISION SERVICE PLAN | $1K | $0 | $1K | 2.48% |
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 | 350 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 350 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK INC. | 680 | $3.9M |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 710 | $247K |
| Vision | VISION SERVICE PLAN | 319 | $45K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 556 | $260K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 556 | $260K |
| Prescription drug | HIGHMARK INC. | 680 | $3.9M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 556 | $267K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 710 | — |
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.