| 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 | 2.97% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB, INC. | 850 RIDGE ROAD PITTSBURGH, PA 15212 | UPMC HEALTH OPTIONS | $4K | — | $4K | 2.76% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB, INC. | 850 RIDGE ROAD PITTSBURGH, PA 15212 | UPMC HEALTH OPTIONS | $3K | — | $3K | 2.83% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB, INC. | 850 RIDGE ROAD PITTSBURGH, PA 15212 | UPMC HEALTH OPTIONS | $3K | — | $3K | 3.05% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB, INC. | 850 RIDGE ROAD PITTSBURGH, PA 15212 | UPMC HEALTH OPTIONS | $3K | — | $3K | 2.99% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB, INC. | 850 RIDGE ROAD PITTSBURGH, PA 15212 | UPMC HEALTH OPTIONS | $2K | — | $2K | 3.23% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB, INC. | 850 RIDGE ROAD PITTSBURGH, PA 15212 | UPMC HEALTH OPTIONS | $1K | — | $1K | 2.74% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB, INC. | 850 RIDGE ROAD PITTSBURGH, PA 15212 | AETNA | $3K | — | $3K | 9.06% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB, INC. | 850 RIDGE ROAD PITTSBURGH, PA 15212 | UPMC HEALTH OPTIONS | $704 | — | $704 | 2.59% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB, INC. | 850 RIDGE ROAD PITTSBURGH, PA 15212 | UPMC HEALTH OPTIONS | $683 | — | $683 | 2.85% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB, INC. | 850 RIDGE ROAD PITTSBURGH, PA 15212 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 13.18% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB, INC. | 850 RIDGE ROAD PITTSBURGH, PA 15212 | AETNA | $839 | — | $839 | 4.58% |
| RAY A JETER SR3 | 126 RITZLAND RD PITTSBURGH, PA 15235 | AFLAC | $1K | — | $1K | 6.76% |
| JAMES DANIEL CRAWLEY3 | 2316 MCNARY BLVD PITTSBURGH, PA 15235 | AFLAC | $460 | — | $460 | 2.84% |
| RIFFE CONSULTING GROUP LLC3 | 203 MEADOWBROOK DR CRANBERRY TWP, PA 16066 | AFLAC | $157 | — | $157 | 0.97% |
| LEE ANN M. KLINE3 | 18 PINTAIL DRIVE PITTSBURGH, PA 15236 | AFLAC | $98 | — | $98 | 0.61% |
| LISA A. BARRY3 | 324 AVENUE F PITTSBURGH, PA 15221 | AFLAC | $72 | — | $72 | 0.45% |
| BRADLEY KAUFFMAN3 | 315 GREEN RIDGE ROAD, SUITE H-1 NEW CASTLE, PA 16105 | AFLAC | $64 | — | $64 | 0.40% |
| MARIO HAIFA3 | 1195 WASHINGTON PIKE, SUITE 300 BRIDGEVILLE, PA 15017 | AFLAC | $58 | — | $58 | 0.36% |
| KRISTIN J QUINLAN3 Filed as: KRISTIN J. QUINLAN | 137 SEMICONON LANE RENFREW, PA 16053 | AFLAC | $51 | — | $51 | 0.32% |
| TYE ELLIOTT3 | 1300 N. INDEPENDENCE CT GERMANTOWN HILLS, IL 61548 | AFLAC | $36 | — | $36 | 0.22% |
| RITA BERGSTEIN BENEFITS LLC3 | 12260 STATE ROUTE 30 NORTH HUNTINGDON, PA 15642 | AFLAC | $35 | — | $35 | 0.22% |
| JAMES V CLEMENS3 | 519 RIDGEWAY ST GREENSBURG, PA 15601 | AFLAC | $31 | — | $31 | 0.19% |
| USI INSURANCE SERVICES LLC3 Filed as: USI MIDWEST LLC | 444 LIBRARY AVENUE, SUITE 1500 PITTSBURGH, PA 15222 | AFLAC | $25 | — | $25 | 0.15% |
| ADAM N STEINEL3 Filed as: ADAM N. STEINEL | 7546 US ROUTE 30, 3RD FL IRWIN, PA 15642 | AFLAC | $15 | — | $15 | 0.09% |
| MICHAEL H FLEMING3 Filed as: MICHAEL H. FLEMING | 11186 BROKERS LANE IRWIN, PA 15642 | AFLAC | $13 | — | $13 | 0.08% |
| LEE ANN M. KLINE3 | 708 WOODLAND DRIVE PITTSBURGH, PA 15238 | AFLAC | $9 | — | $9 | 0.06% |
| MICHAEL WORLEY3 | 20240 BOCKMAN HOLLOW RD SAEGERTOWN, PA 16433 | AFLAC | $7 | — | $7 | 0.04% |
| LAYNE FINANCIAL INC3 Filed as: LAYNE FINANCIAL | 315 GREEN RIDGE ROAD, SUITE H-1 NEW CASTLE, PA 16105 | AFLAC | $2 | — | $2 | 0.01% |
| DIANE M WORLEY3 Filed as: DIANE M. WORLEY | 20240 BOCKMAN HOLLOW RD SAEGERTOWN, PA 16433 | AFLAC | $2 | — | $2 | 0.01% |
| TEMPLE K WOODLEY3 Filed as: TEMPLE K. WOODLEY | 2014 REIS RUN RD PITTSBURGH, PA 15237 | AFLAC | $1 | — | $1 | 0.01% |
| RAY A JETER SR3 | 126 RITZLAND RD PITTSBURGH, PA 15235 | AFLAC | $2K | — | $2K | 9.35% |
| JAMES DANIEL CRAWLEY3 | 2316 MCNARY BLVD PITTSBURGH, PA 15235 | AFLAC | $688 | — | $688 | 4.29% |
| JAMES V CLEMENS3 | 519 RIDGEWAY ST GREENSBURG, PA 15601 | AFLAC | $398 | — | $398 | 2.48% |
| RIFFE CONSULTING GROUP LLC3 | 203 MEADOWBROOK DR CRANBERRY TWP, PA 16066 | AFLAC | $233 | — | $233 | 1.45% |
| BRADLEY KAUFFMAN3 | 315 GREEN RIDGE ROAD, SUITE H-1 NEW CASTLE, PA 16105 | AFLAC | $125 | — | $125 | 0.78% |
| MICHAEL WORLEY3 | 20240 BOCKMAN HOLLOW RD SAEGERTOWN, PA 16433 | AFLAC | $78 | — | $78 | 0.49% |
| MARIO HAIFA3 | 1195 WASHINGTON PIKE, SUITE 300 BRIDGEVILLE, PA 15017 | AFLAC | $60 | — | $60 | 0.37% |
| LAYNE FINANCIAL INC3 Filed as: LAYNE FINANCIAL | 315 GREEN RIDGE ROAD, SUITE H-1 NEW CASTLE, PA 16105 | AFLAC | $28 | — | $28 | 0.17% |
| DIANE M WORLEY3 Filed as: DIANE M. WORLEY | 20240 BOCKMAN HOLLOW RD SAEGERTOWN, PA 16433 | AFLAC | $23 | — | $23 | 0.14% |
| RITA BERGSTEIN BENEFITS LLC3 | 12260 STATE ROUTE 30 NORTH HUNTINGDON, PA 15642 | AFLAC | $20 | — | $20 | 0.12% |
| TYE ELLIOTT3 | 1300 N. INDEPENDENCE CT GERMANTOWN HILLS, IL 61548 | AFLAC | $19 | — | $19 | 0.12% |
| TEMPLE K WOODLEY3 Filed as: TEMPLE K. WOODLEY | 2014 REIS RUN RD PITTSBURGH, PA 15237 | AFLAC | $12 | — | $12 | 0.07% |
| ADAM N STEINEL3 Filed as: ADAM N. STEINEL | 7546 US ROUTE 30, 3RD FL IRWIN, PA 15642 | AFLAC | $12 | — | $12 | 0.07% |
| MICHAEL H FLEMING3 Filed as: MICHAEL H. FLEMING | 11186 BROKERS LANE IRWIN, PA 15642 | AFLAC | $8 | — | $8 | 0.05% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB, INC. | 850 RIDGE ROAD PITTSBURGH, PA 15212 | UPMC HEALTH OPTIONS | $483 | — | $483 | 3.09% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB, INC. | 850 RIDGE ROAD PITTSBURGH, PA 15212 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $9 | $1K | 11.48% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB, INC. | 850 RIDGE ROAD PITTSBURGH, PA 15212 | UPMC HEALTH OPTIONS | $130 | — | $130 | 1.27% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB, INC. | 850 RIDGE ROAD PITTSBURGH, PA 15212 | VISION BENEFITS OF AMERICA | $325 | — | $325 | 3.63% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB, INC. | 850 RIDGE ROAD PITTSBURGH, PA 15212 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $104 | $1K | 16.37% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB, INC. | 850 RIDGE ROAD PITTSBURGH, PA 15212 | UPMC HEALTH OPTIONS | $190 | — | $190 | 2.74% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB, INC. | 850 RIDGE ROAD PITTSBURGH, PA 15212 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 18.02% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB, INC. | 850 RIDGE ROAD PITTSBURGH, PA 15212 | VISION BENEFITS OF AMERICA | $254 | — | $254 | 6.09% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB, INC. | 850 RIDGE ROAD PITTSBURGH, PA 15212 | UPMC HEALTH OPTIONS | $97 | — | $97 | 2.99% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB, INC. | 850 RIDGE ROAD PITTSBURGH, PA 15212 | UPMC HEALTH OPTIONS | $83 | — | $83 | 2.75% |
| RAY A JETER SR3 | 126 RITZLAND RD PITTSBURGH, PA 15235 | AFLAC | $167 | $10 | $177 | 6.45% |
| JAMES DANIEL CRAWLEY3 | 2316 MCNARY BLVD PITTSBURGH, PA 15235 | AFLAC | $70 | $2 | $72 | 2.62% |
| RIFFE CONSULTING GROUP LLC3 | 203 MEADOWBROOK DR CRANBERRY TWP, PA 16066 | AFLAC | $17 | $2 | $19 | 0.69% |
| MARIO HAIFA3 | 1195 WASHINGTON PIKE, SUITE 300 BRIDGEVILLE, PA 15017 | AFLAC | $14 | $2 | $16 | 0.58% |
| KRISTIN J QUINLAN3 Filed as: KRISTIN J. QUINLAN | 137 SEMICONON LANE RENFREW, PA 16053 | AFLAC | $15 | — | $15 | 0.55% |
| TYE ELLIOTT3 | 1300 N. INDEPENDENCE CT GERMANTOWN HILLS, IL 61548 | AFLAC | $13 | — | $13 | 0.47% |
| LISA A. BARRY3 | 324 AVENUE F PITTSBURGH, PA 15221 | AFLAC | $13 | — | $13 | 0.47% |
| RITA BERGSTEIN BENEFITS LLC3 | 12260 STATE ROUTE 30 NORTH HUNTINGDON, PA 15642 | AFLAC | $13 | — | $13 | 0.47% |
| LEE ANN M. KLINE3 | 18 PINTAIL DRIVE PITTSBURGH, PA 15238 | AFLAC | $13 | — | $13 | 0.47% |
| LEE ANN M. KLINE3 | 708 WOODLAND DRIVE PITTSBURGH, PA 15238 | AFLAC | $2 | — | $2 | 0.07% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB, INC. | 850 RIDGE ROAD PITTSBURGH, PA 15212 | VISION BENEFITS OF AMERICA | $156 | — | $156 | 8.02% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB, INC. | 850 RIDGE ROAD PITTSBURGH, PA 15212 | UPMC HEALTH OPTIONS | $35 | — | $35 | 3.02% |
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 | 135 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 136 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(18 contracts, 2 carriers) | UPMC HEALTH OPTIONS | 105 | $972K |
| Dental(2 contracts) | AETNA | 52 | $48K |
| Vision(3 contracts) | VISION BENEFITS OF AMERICA | 57 | $15K |
| Life insurance(7 contracts, 4 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 102 | $80K |
| Short-term disability(4 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 102 | $55K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 102 | $20K |
| Other(3 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 102 | $39K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 105 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.