| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BBR BENEFITS SOLUTIONS LLC3 | 8150 PERRY HIGHWAY SUITE 100 PITTSBURGH, PA 15237 | HIGHMARK BLUE CROSS BLUE SHIELD | $7K | — | $7K | 1.55% |
| BBR BENEFITS SOLUTIONS LLC3 | 8150 PERRY HIGHWAY, SUITE 100 PITTSBURGH, PA 15237 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 8.08% |
| LIFETIME FINANCIAL GROWTH3 Filed as: LIFETIME FINANCIAL GROWTH LLC | 244 BLVD OF THE ALLIES PITTSBURGH, PA 15222 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $23 | — | $23 | 0.08% |
| BBR BENEFITS SOLUTIONS LLC3 | 8150 PERRY HIGHWAY, SUITE 100 PITTSBURGH, PA 15237 | VISION BENEFITS OF AMERICA | $211 | — | $211 | 8.84% |
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 | 31 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 31 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HIGHMARK BLUE CROSS BLUE SHIELD | 28 | $504K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 31 | $28K |
| Vision | VISION BENEFITS OF AMERICA | 30 | $2K |
| Prescription drug(2 contracts, 2 carriers) | HIGHMARK BLUE CROSS BLUE SHIELD | 28 | $504K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 31 | — |
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.