| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB, INC. | 850 RIDGE AVE. PITTSBURGH, PA 15212 | HM INSURANCE GROUP | $41K | — | $41K | 8.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB, INC. | 850 RIDGE AVE. PITTSBURGH, PA 15212 | VISION BENEFITS OF AMERICA | $2K | — | $2K | 3.60% |
| ESS NEXTIER INSURANCE GROUP LLC2 Filed as: ESS NEXTIER INSURANCE COMPANY | 316 FIRST AVENUE, 3RD FLOOR KITTANING, PA 16201 | FEDERAL INSURANCE COMPANY | $374 | — | $374 | 15.01% |
| PHILIP A BOXWELL3 Filed as: PHILIP A. BOXWELL | 2114 53RD ST. DES MOINE, PA 50310 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 100.68% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB, INC. | 850 RIDGE AVE. PITTSBURGH, PA 15212 | AMERICAN UNITED LIFE INSURANCE COMPANY | $16K | — | $16K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK, INC. EIN 23-1294723 SERVICE PROVIDER | Other fees; Claims processing Service code 12 | 120 FIFTH AVENUE PITTSBURGH, PA 15222 | $110K |
| BABB INC. | Insurance agents and brokers Service code 22 | — | $94K |
| UNITED CONCORDIA COMPANIES, INC. EIN 25-1687586 SERVICE PROVIDER | Claims processing Service code 12 | 4401 DEER PATH RD. HARRISBURG, PA 17110 | $47K |
| BABB, INC. | Insurance agents and brokers Service code 22 | — | $5K |
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 | 552 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 9 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 566 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION BENEFITS OF AMERICA | 550 | $43K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 640 | $0 |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 640 | $0 |
| Stop-loss / reinsurancereinsurance | HM INSURANCE GROUP | 485 | $506K |
| Other(3 contracts, 3 carriers) | FEDERAL INSURANCE COMPANY | 640 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 640 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.