| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP INC | UNKNOWN PITTSBURGH, PA 15212 | HIGHMARK INC. | $90K | $0 | $90K | 2.21% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP INC | 2730 SIDNEY STREET, SUITE 330 PITTSBURGH, PA 15203 | METROPOLITAN LIFE INSURANCE COMPANY | $33K | $5K | $38K | 12.33% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB HEARTLAND LLC | 8044 MONTGOMERY ROAD, SUITE 640 CINCINNATI, OH 45236 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $132 | $2K | 0.73% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVENUE, SUITE 401 BOSTON, MA 02199 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $53 | $53 | 0.02% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP INC | UNKNOWN PITTSBURGH, PA 15212 | DELTA DENTAL OF PENNSYLVANIA | $15K | $0 | $15K | 4.99% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP INC | 2730 SIDNEY STREET, SUITE 330 PITTSBURGH, PA 15203 | VISION SERVICE PLAN | $2K | $0 | $2K | 3.75% |
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 | 372 | 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) | 372 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK INC. | 753 | $4.1M |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 780 | $293K |
| Vision | VISION SERVICE PLAN | 336 | $50K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 615 | $309K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 615 | $309K |
| Prescription drug | HIGHMARK INC. | 753 | $4.1M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 615 | $317K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 780 | — |
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.