| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB, INC. | 850 RIDGE AVENUE PITTSBURGH, PA 15212 | AETNA LIFE INSURANCE COMPANY | $3K | — | $3K | 3.66% |
| HENDERSON BROTHERS, INC.3 | 920 FORT DUQUESNE BLVD. PITTSBURGH, PA 15222 | AETNA LIFE INSURANCE COMPANY | $1K | — | $1K | 1.89% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB, INC. | 850 RIDGE AVENUE PITTSBURGH, PA 15212 | HIGHMARK, INC. | $308 | — | $308 | 1.99% |
| HENDERSON BROTHERS, INC.3 | 920 FORT DUQUESNE BLVD. PITTSBURGH, PA 15222 | HIGHMARK, INC. | $157 | — | $157 | 1.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB, INC. | 850 RIDGE AVENUE PITTSBURGH, PA 15212 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $300 | — | $300 | 4.29% |
| SMITH, THOMAS, CHRISTOPHER3 | P O BOX 6650 METAIRIE, TN 70009 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $129 | — | $129 | 1.84% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB, INC. | 850 RIDGE AVENUE PITTSBURGH, PA 15212 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $237 | — | $237 | 3.52% |
| SMITH, THOMAS, CHRISTOPHER3 | P O BOX 6650 METAIRIE, TN 70009 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $102 | — | $102 | 1.51% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB, INC. | 850 RIDGE AVENUE PITTSBURGH, PA 15212 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $642 | $349 | $991 | 16.98% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB, INC. | 850 RIDGE AVENUE PITTSBURGH, PA 15212 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $213 | $329 | $542 | 38.09% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB, INC. | 850 RIDGE AVENUE PITTSBURGH, PA 15212 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $33 | $17 | $50 | 22.42% |
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 | 187 | 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) | 187 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE COMPANY | 291 | $77K |
| Vision | HIGHMARK, INC. | 286 | $16K |
| Life insurance(2 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 249 | $13K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 25 | $14K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 187 | $1K |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 249 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 291 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.