| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB INC | 850 RIDGE AVE PITTSBURGH, PA 15212 | ONE AMERICA | $4K | $1K | $5K | 13.62% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK EIN 23-1294723 NONE | Claims processing Service code 12 | 120 FIFTH AVENUE PITTSBURGH, PA 15222 | $152K |
| UNITED CONCORDIA COMPANIES INC EIN 23-1661402 NONE | Claims processing Service code 12 | 120 FIFTH AVENUE PITTSBURGH, PA 15222 | $85K |
| GALLAGHER BENEFIT SERVICES EIN 23-1294723 NONE | Consulting (general) Service code 16 | 3600 AMERICAN BLVD W #500 BLOOMINGTON, MN 55431 | $39K |
| ARTHUR J GALLAGHER & CO INC EIN 86-0307623 NONE | Consulting (general) Service code 16 | 2 PIERCE PLACE ITASCA, IL 60143 | $0 |
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 | 1,306 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,306 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | ONE AMERICA | 1,585 | $39K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,585 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.