| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KNEPPER INSURANCE GROUP | 221 WEST PATRIOT STREET SOMERSET, PA 15501 | UPMC HEALTH OPTIONS | $40K | — | $40K | 3.16% |
| KNEPPER INSURANCE GROUP | 221 WEST PATRIOT STREET SOMERSET, PA 15501 | UPMC HEALTH BENEFITS | $7K | — | $7K | 9.31% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB INC | 850 RIDGE AVE PITTSBURGH, PA 15212 | UNUM | $6K | — | $6K | 9.11% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB INC | 850 RIDGE AVE PITTSBURGH, PA 15212 | UNAM | $4K | — | $4K | 14.73% |
| MARSH & MCLENNAN AGENCY LLC Filed as: BABB INC | 850 RIDGE AVE PITTSBURGH, PA 15212 | PROVIDENT LIFE | $211 | — | $211 | 2.28% |
| MARSH & MCLENNAN AGENCY LLC Filed as: BABB INC | 850 RIDGE AVE PITTSBURGH, PA 15212 | UNAM | $2K | — | $2K | 18.85% |
| MARSH & MCLENNAN AGENCY LLC Filed as: BABB INC | 850 RIDGE AVE PITTSBURGH, PA 15212 | UNUM | — | — | $0 | — |
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 | 310 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 310 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UPMC HEALTH OPTIONS | 262 | $1.3M |
| Dental | UPMC HEALTH BENEFITS | 153 | $71K |
| Vision | UPMC HEALTH BENEFITS | 153 | $71K |
| Life insurance(4 contracts, 3 carriers) | UNUM | 310 | $85K |
| Long-term disability | UNAM | 107 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 310 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.