| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC Filed as: BABB INC | 850 RIDGE AVE PITTSBURGH, PA 15212 | AETNA LIFE INSURANCE CO | $3K | — | $3K | 5.61% |
| SEUBERT & ASSOCIATES, INC. Filed as: SEUBERT & ASSOCIATES | 1712 MOUNT NEBO ROAD SEWICKLEY, PA 15143 | AETNA LIFE INSURANCE CO | — | — | $0 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB INC | 850 RIDGE AVE PITTSBURGH, PA 15212 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB INC | 850 RIDGE AVE PITTSBURGH, PA 152126003 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB INC | 850 RIDGE AVE PITTSBURGH, PA 15212 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB INC | 850 RIDGE AVE PITTSBURGH, PA 15212 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $958 | — | $958 | 10.00% |
| MARSH & MCLENNAN AGENCY LLC Filed as: BABB INC | 850 RIDGE AVE PITTSBURGH, PA 15212 | VISION BENEFITS OF AMERICA | $455 | $1K | $2K | 18.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB INC | 850 RIDGE AVE PITTSBURGH, PA 15212 | HIGHMARK CASUALTY INSURANCE COMPANY | — | — | $0 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK INC EIN 23-1294723 | Insurance agents and brokers Service code 22 | 120 5TH AVE PITTSBURGH, PA 15222 | $58K |
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 | 219 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 219 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE CO | 219 | $57K |
| Vision | VISION BENEFITS OF AMERICA | 82 | $9K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 130 | $31K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 130 | $28K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 130 | $15K |
| Stop-loss / reinsurancereinsurance | HIGHMARK CASUALTY INSURANCE COMPANY | 0 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 219 | — |
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.