| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB INC. | 850 RIDGE AVENUE PITTSBURGH, PA 15212 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $0 | $8K | 9.63% |
| FIRST NATIONAL INS AGENCY3 Filed as: FIRST NATIONAL INS. AGENCY LLC | 310 GRANT STREET, SUITE 920 PITTSBURGH, PA 15219 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 1.92% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB INC. | 850 RIDGE AVENUE PITTSBURGH, PA 15212 | AETNA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 5.06% |
| FIRST NATIONAL INS AGENCY3 Filed as: FIRST NATIONAL INS. AGENCY LLC | 764 BESSMER STREET, SUITE 101 MEADVILLE, PA 16335 | AETNA LIFE INSURANCE COMPANY | $255 | $0 | $255 | 0.39% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB INC. | 850 RIDGE AVENUE PITTSBURGH, PA 15212 | VISION BENEFITS OF AMERICA | $418 | $0 | $418 | 4.18% |
| FIRST NATIONAL INS AGENCY3 Filed as: FIRST NATIONAL INS. AGENCY LLC | 12 FEDERAL STREET PITTSBURGH, PA 15212 | VISION BENEFITS OF AMERICA | $82 | $0 | $82 | 0.82% |
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 | 130 | 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) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE COMPANY | 228 | $66K |
| Vision | VISION BENEFITS OF AMERICA | 82 | $10K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 130 | $84K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 130 | $84K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 130 | $84K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 130 | $84K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 228 | — |
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.