| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB INC | 850 RIDGE AVENUE PITTSBURGH, PA 15212 | HIGHMARK | $82K | — | $82K | 2.77% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB INC | 850 RIDGE AVENUE PITTSBURGH, PA 15212 | HIGHMARK | $23K | — | $23K | 2.78% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB INC | 850 RIDGE AVENUE PITTSBURGH, PA 15212 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $8K | — | $8K | 4.93% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB INC | 850 RIDGE AVENUE PITTSBURGH, PA 15212 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 7.48% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB INC | 850 RIDGE AVENUE PITTSBURGH, PA 15212 | VISION BENEFITS OF AMERICA | $2K | — | $2K | 4.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB INC | 850 RIDGE AVENUE PITTSBURGH, PA 15212 | VISION BENEFITS OF AMERICA | $31 | — | $31 | 4.04% |
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 | 383 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 386 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK | 696 | $2.9M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 265 | $168K |
| Vision(2 contracts) | VISION BENEFITS OF AMERICA | 306 | $54K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 402 | $144K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 402 | $144K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 402 | $144K |
| Prescription drug | HIGHMARK | 696 | $839K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 696 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.