| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP INC | UNKNOWN COLUMBUS, OH 43215 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $60K | $2K | $62K | 13.79% |
| ROGERS BENEFIT GROUP INC3 | UNKNOWN COLUMBUS, OH 43215 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $24K | $24K | 5.30% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP, INC. | 2730 SIDNEY STREET, SUITE 330 PITTSBURGH, PA 15203 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $22K | $7K | $29K | 19.69% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD, 2ND FLOOR HAUPPAUGE, NY 11788 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $7K | $7K | 5.00% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP | 2730 SIDNEY STREET PITTSBURGH, PA 15203 | PRINCIPAL LIFE INSURANCE COMPANY | $17K | $0 | $17K | 11.78% |
| PROFESSIOANL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD HAUPPAUGE, NY 11788 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $7K | $7K | 5.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL LIMITED | 150 NORTH RIVERSIDE PLAZA SUITE 1700 CHICAGO, IL 60606 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $6K | $6K | 4.13% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP INC | 575 A SUNBURY ROAD DELAWARE, OH 43015 | THE GUARDIAN LIFE INSURANCE COMPANY | $1K | $498 | $2K | 20.58% |
| LIFETIME FINANCIAL GROWTH3 Filed as: LIFETIME FINANCIAL GROWTH COMPANY | UNKNOWN COLUMBUS, OH 43215 | THE GUARDIAN LIFE INSURANCE COMPANY | $27 | $0 | $27 | 0.30% |
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 | 197 | 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) | 197 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 242 | $449K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 477 | $141K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 477 | $141K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 198 | $149K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 198 | $149K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 198 | $149K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 242 | $449K |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 477 | $299K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 477 | — |
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.