| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HENDERSON BROTHERS, INC.3 Filed as: HENDERSON BROTHERS INC. | 920 FORT DUQUESNE BLVD. PITTSBURGH, PA 15222 | EVEREST REINSURANCE COMPANY | — | $61K | $61K | 12.72% |
| HENDERSON BROTHERS, INC.3 Filed as: HENDERSON BROTHERS INC. | 920 FORT DUQUESNE BLVD. PITTSBURGH, PA 15222 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 4.65% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB, INC. | 850 RIDGE AVENUE PITTSBURGH, PA 15212 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 2.91% |
| HENDERSON BROTHERS, INC.3 | 920 FORT DUQUESNE BLVD. PITTSBURGH, PA 15222 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | $4K | — | $4K | 5.82% |
| HENDERSON BROTHERS, INC.3 | 920 FORT DUQUESNE BLVD. PITTSBURGH, PA 15222 | HIGHMARK, INC. | $473 | — | $473 | 3.32% |
| HENDERSON BROTHERS, INC.3 Filed as: HENDERSON BROTHERS INC. | 920 FORT DUQUESNE BLVD. PITTSBURGH, PA 15222 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 10.18% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB, INC. | 850 RIDGE AVENUE PITTSBURGH, PA 15212 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $514 | — | $514 | 4.82% |
| HENDERSON BROTHERS, INC.3 Filed as: HENDERSON BROTHERS INC. | 920 FORT DUQUESNE BLVD. PITTSBURGH, PA 15222 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $733 | — | $733 | 7.64% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB, INC. | 850 RIDGE AVENUE PITTSBURGH, PA 15212 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $328 | — | $328 | 3.42% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB, INC. | 850 RIDGE AVENUE PITTSBURGH, PA 15212 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $198 | — | $198 | 3.84% |
| SMITH, THOMAS, CHRISTOPHER3 | 2928 FOSTER CREIGHTON DR. NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $85 | — | $85 | 1.65% |
| HENDERSON BROTHERS, INC.3 Filed as: HENDERSON BROTHERS INC. | 920 FORT DUQUESNE BLVD. PITTSBURGH, PA 15222 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $126 | — | $126 | 2.46% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB, INC. | 850 RIDGE AVENUE PITTSBURGH, PA 15212 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $118 | — | $118 | 2.30% |
| SMITH, THOMAS, CHRISTOPHER3 | 2928 FOSTER CREIGHTON DR. NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $105 | — | $105 | 2.05% |
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 | 209 | 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) | 209 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 269 | $69K |
| Vision | HIGHMARK, INC. | 224 | $14K |
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 169 | $99K |
| Short-term disability(2 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 24 | $10K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 169 | $10K |
| Stop-loss / reinsurancereinsurance | EVEREST REINSURANCE COMPANY | 184 | $481K |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 169 | $104K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 269 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.