| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BBR BENEFITS SOLUTIONS LLC3 Filed as: BBR BENEFIT SOLUTIONS, LLC | 8150 PERRY HIGHWAY STE 100 PITTSBURGH, PA 15237 | HIGHMARK BLUE CROSS BLUE SHIELD | $8K | — | $8K | 1.69% |
| BBR BENEFITS SOLUTIONS LLC3 Filed as: BBR BENEFIT SOLUTIONS, LLC | 8150 PERRY HIGHWAY STE 100 PITTSBURGH, PA 15237 | GHMSI D/B/A CAREFIRST BLUE CROSS BLUE SHIELD | $1K | $3 | $1K | 1.51% |
| M T DONAHOE & ASSOCIATES INC5 Filed as: MT DONAHOE AND ASSOCIATES | 9755 PATUXENT WOODS DR., SUITE 250 COLUMBIA, MD 21046 | GHMSI D/B/A CAREFIRST BLUE CROSS BLUE SHIELD | $0 | $636 | $636 | 0.87% |
| BBR BENEFITS SOLUTIONS LLC3 Filed as: BBR BENEFIT SOLUTIONS, LLC | 8150 PERRY HIGHWAY STE 100 PITTSBURGH, PA 15237 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 6.81% |
| LIFETIME FINANCIAL GROWTH3 Filed as: LIFETIME FINANCIAL GROWTH LLC | 244 BLVD OF THE ALLIES PITTSBURGH, PA 15222 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $39 | — | $39 | 0.14% |
| BBR BENEFITS SOLUTIONS LLC3 Filed as: BBR BENEFIT SOLUTIONS, LLC | 8150 PERRY HIGHWAY STE 100 PITTSBURGH, PA 15237 | VISION BENEFITS OF AMERICA | $237 | — | $237 | 8.76% |
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 | 34 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 39 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HIGHMARK BLUE CROSS BLUE SHIELD | 32 | $532K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 38 | $28K |
| Vision | VISION BENEFITS OF AMERICA | 39 | $3K |
| Prescription drug(2 contracts, 2 carriers) | HIGHMARK BLUE CROSS BLUE SHIELD | 32 | $532K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 39 | — |
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."
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.