| 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 | $24K | $10K | $34K | 2.92% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB, INC. | 850 RIDGE ROAD PITTSBURGH, PA 15212 | AETNA | $5K | — | $5K | 9.04% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB, INC. | 850 RIDGE ROAD PITTSBURGH, PA 15212 | UPMC HEALTH OPTIONS | $987 | $429 | $1K | 4.76% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB, INC. | 850 RIDGE ROAD PITTSBURGH, PA 15212 | HARTFORD LIFE AND ACCIDENT | $2K | — | $2K | 9.42% |
| SEE ATTACHED3 Filed as: SEE ATTACHED LIST OF AGENTS | — | AFLAC | $3K | $150 | $3K | 17.93% |
| SEE ATTACHED3 Filed as: SEE ATTACHED LIST OF AGENTS | — | AFLAC | $3K | $96 | $3K | 18.92% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB, INC. | 850 RIDGE ROAD PITTSBURGH, PA 15212 | VISION BENEFITS OF AMERICA | $434 | $60 | $494 | 4.52% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB, INC. | 850 RIDGE ROAD PITTSBURGH, PA 15212 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $52 | $1K | 14.93% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB, INC. | 850 RIDGE ROAD PITTSBURGH, PA 15212 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $76 | — | $76 | 1.28% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB, INC. | 850 RIDGE ROAD PITTSBURGH, PA 15212 | VISION BENEFITS OF AMERICA | $247 | — | $247 | 5.43% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB, INC. | 850 RIDGE ROAD PITTSBURGH, PA 15212 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $64 | — | $64 | 1.79% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB, INC. | 850 RIDGE ROAD PITTSBURGH, PA 15212 | VISION BENEFITS OF AMERICA | $127 | — | $127 | 7.98% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB, INC. | 850 RIDGE ROAD PITTSBURGH, PA 15212 | VISION BENEFITS OF AMERICA | $82 | — | $82 | 7.92% |
| SEE ATTACHED3 Filed as: SEE ATTACHED LIST OF AGENTS | — | AFLAC | $92 | — | $92 | 9.74% |
| SEE ATTACHED3 Filed as: SEE ATTACHED LIST OF AGENTS | — | AFLAC | $108 | — | $108 | 12.66% |
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 | 148 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 151 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 2 carriers) | UPMC HEALTH OPTIONS | 299 | $1.2M |
| Dental | AETNA | 255 | $54K |
| Vision(4 contracts) | VISION BENEFITS OF AMERICA | 72 | $18K |
| Life insurance(8 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 63 | $82K |
| Short-term disability(5 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 63 | $63K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 63 | $24K |
| Other(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 63 | $39K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 299 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.