| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HENDERSON BROTHERS, INC.3 | 920 FT. DUQUESNE BLVD. PITTSBURGH, PA 15222 | HIGHMARK | $58K | — | $58K | 2.47% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB INC | 850 RIDGE AVENUE PITTSBURGH, PA 15212 | HIGHMARK | $11K | — | $11K | 0.47% |
| HENDERSON BROTHERS, INC.3 | 920 FT. DUQUESNE BLVD. PITTSBURGH, PA 15222 | HIGHMARK | $11K | — | $11K | 2.45% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB INC | 850 RIDGE AVENUE PITTSBURGH, PA 15212 | HIGHMARK | $2K | — | $2K | 0.47% |
| HENDERSON BROTHERS, INC.3 | 920 FT. DUQUESNE BLVD. PITTSBURGH, PA 15222 | HIGHMARK | $6K | — | $6K | 4.96% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB INC | 850 RIDGE AVENUE PITTSBURGH, PA 15212 | HIGHMARK | $1K | — | $1K | 1.01% |
| HENDERSON BROTHERS, INC.3 | 920 FT. DUQUESNE BLVD. PITTSBURGH, PA 15222 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $775 | $6K | 9.37% |
| HENDERSON BROTHERS, INC.3 | 920 FT. DUQUESNE BLVD. PITTSBURGH, PA 15222 | VISION BENEFITS OF AMERICA | $1K | — | $1K | 4.00% |
| HENDERSON BROTHERS, INC.3 | 920 FT. DUQUESNE BLVD. PITTSBURGH, PA 15222 | METROPOLITAN LIFE INSURANCE COMPANY | $936 | $59 | $995 | 18.91% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB INC. | 850 RIDGE AVE PITTSBURGH, PA 15212 | METROPOLITAN LIFE INSURANCE COMPANY | $250 | — | $250 | 4.75% |
| HENDERSON BROTHERS, INC.3 | 920 FORT DUQUESNE BLVD. PITTSBURGH, PA 15222 | METLIFE LEGAL PLANS | $323 | $39 | $362 | 8.41% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB, INC. | 850 RIDGE AVENUE PITTSBURGH, PA 15212 | METLIFE LEGAL PLANS | $107 | $4 | $111 | 2.58% |
| HENDERSON BROTHERS, INC.3 | 920 FT. DUQUESNE BLVD. PITTSBURGH, PA 15222 | METROPOLITAN LIFE INSURANCE COMPANY | $657 | $48 | $705 | 18.58% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB INC. | 850 RIDGE AVE PITTSBURGH, PA 15212 | METROPOLITAN LIFE INSURANCE COMPANY | $182 | — | $182 | 4.80% |
| HENDERSON BROTHERS, INC.3 | 920 FT. DUQUESNE BLVD. PITTSBURGH, PA 15222 | METROPOLITAN LIFE INSURANCE COMPANY | $656 | $47 | $703 | 19.52% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB INC. | 850 RIDGE AVE PITTSBURGH, PA 15212 | METROPOLITAN LIFE INSURANCE COMPANY | $122 | — | $122 | 3.39% |
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 | 202 | 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) | 202 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK | 534 | $2.4M |
| Dental | HIGHMARK | 513 | $130K |
| Vision | VISION BENEFITS OF AMERICA | 207 | $34K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 310 | $68K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 310 | $68K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 310 | $68K |
| Prescription drug | HIGHMARK | 268 | $448K |
| Other(5 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 310 | $85K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 534 | — |
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.
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.