| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB, INC. | 850 RIDGE ROAD PITTSBURGH, PA 15212 | UPMC HEALTH OPTIONS | $9K | — | $9K | 2.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB, INC. | 850 RIDGE ROAD PITTSBURGH, PA 15212 | UPMC HEALTH OPTIONS | $4K | — | $4K | 1.96% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB, INC. | 850 RIDGE ROAD PITTSBURGH, PA 15212 | UPMC HEALTH OPTIONS | $3K | — | $3K | 2.02% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB, INC. | 850 RIDGE ROAD PITTSBURGH, PA 15212 | UPMC HEALTH OPTIONS | $2K | — | $2K | 2.24% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB, INC. | 850 RIDGE ROAD PITTSBURGH, PA 15212 | UPMC HEALTH OPTIONS | $1K | — | $1K | 1.98% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB, INC. | 850 RIDGE ROAD PITTSBURGH, PA 15212 | UPMC HEALTH OPTIONS | $884 | — | $884 | 1.78% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB, INC. | 850 RIDGE ROAD PITTSBURGH, PA 15212 | UPMC HEALTH OPTIONS | $939 | — | $939 | 2.03% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB, INC. | 850 RIDGE ROAD PITTSBURGH, PA 15212 | UPMC HEALTH OPTIONS | $702 | — | $702 | 1.90% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB, INC. | 850 RIDGE ROAD PITTSBURGH, PA 15212 | UPMC HEALTH BENEFITS | $3K | — | $3K | 7.95% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB, INC. | 850 RIDGE ROAD PITTSBURGH, PA 15212 | UPMC HEALTH BENEFITS | $2K | — | $2K | 8.00% |
| SEE ATTACHED3 Filed as: SEE ATTACHED LIST OF AGENTS | — | AFLAC | $7K | — | $7K | 40.09% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB, INC. | 850 RIDGE ROAD PITTSBURGH, PA 15212 | UPMC HEALTH OPTIONS | $352 | — | $352 | 2.11% |
| SEE ATTACHED3 Filed as: SEE ATTACHED LIST OF AGENTS | — | AFLAC | $6K | — | $6K | 37.86% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB, INC. | 850 RIDGE ROAD PITTSBURGH, PA 15212 | UPMC HEALTH OPTIONS | $272 | — | $272 | 2.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB, INC. | 850 RIDGE ROAD PITTSBURGH, PA 15212 | UPMC HEALTH OPTIONS | $244 | — | $244 | 1.83% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB, INC. | 850 RIDGE ROAD PITTSBURGH, PA 15212 | UPMC HEALTH OPTIONS | $65 | — | $65 | 1.72% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB, INC. | 850 RIDGE ROAD PITTSBURGH, PA 15212 | HARTFORD LIFE AND ACCIDENT | $209 | — | $209 | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB, INC. | 850 RIDGE ROAD PITTSBURGH, PA 15212 | UPMC HEALTH BENEFITS | $72 | — | $72 | 7.92% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB, INC. | 850 RIDGE ROAD PITTSBURGH, PA 15212 | UPMC HEALTH BENEFITS | $14 | — | $14 | 9.52% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB, INC. | 850 RIDGE ROAD PITTSBURGH, PA 15212 | UPMC HEALTH BENEFITS | $10 | — | $10 | 18.87% |
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 | 118 | 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) | 118 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(14 contracts, 2 carriers) | UPMC HEALTH OPTIONS | 81 | $1.2M |
| Dental(5 contracts) | UPMC HEALTH BENEFITS | 116 | $66K |
| Vision(5 contracts) | UPMC HEALTH BENEFITS | 116 | $66K |
| Life insurance(3 contracts, 2 carriers) | AFLAC | 40 | $35K |
| Short-term disability(3 contracts, 2 carriers) | AFLAC | 40 | $35K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 40 | $2K |
| Other | HARTFORD LIFE AND ACCIDENT | 40 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 116 | — |
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."
No prospect flags tripped on this filing.