| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 100 PINEWOOD LANE SUITE 301 WARRENDALE, PA 15086 | HIGHMARK INC | $10K | $0 | $10K | 1.30% |
| BBR BENEFITS SOLUTIONS LLC3 | 5528 WILLIAM FLYNN HIGHWAY GIBSONIA, PA 15044 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 6.75% |
| LIFETIME FINANCIAL GROWTH3 Filed as: LIFETIME FINANCIAL GROWTH LLC | 244 BOULEVARD OF THE ALLIES PITTSBURGH, PA 15222 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $41 | $0 | $41 | 0.13% |
| BBR BENEFITS SOLUTIONS LLC3 | 5528 WILLIAM FLYNN HIGHWAY GIBSONIA, PA 15044 | HARTFORD LIFE AND ACCIDENT | $3K | $0 | $3K | 12.58% |
| BBR BENEFITS SOLUTIONS LLC3 | 5528 WILLIAM FLYNN HIGHWAY GIBSONIA, PA 15044 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $947 | $0 | $947 | 16.41% |
| BBR BENEFITS SOLUTIONS LLC3 | 5528 WILLIAM FLYNN HIGHWAY GIBSONIA, PA 15044 | AMERICAN UNITED LIFE INSURANCE COMPANY | $504 | $0 | $504 | 14.99% |
| BBR BENEFITS SOLUTIONS LLC3 | 5528 WILLIAM FLYNN HIGHWAY GIBSONIA, PA 15044 | VISION BENEFITS OF AMERICA | $274 | $0 | $274 | 8.63% |
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 | 39 | 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) | 39 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK INC | 36 | $782K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 37 | $30K |
| Vision | VISION BENEFITS OF AMERICA | 37 | $3K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 20 | $21K |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 20 | $24K |
| Prescription drug | HIGHMARK INC | 36 | $782K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 20 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 37 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.