| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | SIX PPG PLACE, SUITE 200 PITTSBURG, PA 15222 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $249 | $8K | 11.98% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP, INC | — | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $1K | $6K | 8.82% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | 1215 MANSON DRIVE MECHANICSBURG, PA 17055 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $565 | $565 | 0.89% |
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PAYCHEX INSURANCE AGENCY INC | — | UNUM LIFE INSURANCE COMPANY OF AMERICA | $155 | $52 | $207 | 0.33% |
| USI INSURANCE SERVICES LLC3 | 6 PPG PLACE, SUITE 200 PITTSBURGH, PA 15222 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $74 | $2K | 11.91% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP INC | 210 SIXTH AVENUE 30TH FLOOR PITTSBURGH, PA 15222 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $424 | $2K | 9.34% |
| USI INSURANCE SERVICES LLC3 | 1215 MANOR DRIVE MECHANICSBURG, PA 17055 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $208 | $208 | 1.15% |
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 | 939 | 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) | 939 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 119 | $64K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 939 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 939 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.