| 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 | $30K | $0 | $30K | 8.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB INC | 850 RIDGE ROAD PITTSBURGH, PA 15212 | VBA | $2K | $0 | $2K | 2.70% |
| IMA, INC. Filed as: IMA/ESS | 316 FIRST AVENUE,3RD FLOOR KITTANNING, PA 16201 | FEDERAL INSURANCE COMPANY | $370 | — | $370 | 14.85% |
| MARSH & MCLENNAN AGENCY LLC Filed as: BABB INC | 850 RIDGE AVE PITTSBURGH, PA 15212 | ONE AMERICA | $12K | — | $12K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK INC EIN 23-1294723 | Claims processing; Other fees Service code 12 | 120 FIFTHAVENUE PITTSBURGH, PA 15222 | $116K |
| UNITED CONCORDIA COMPANIES, INC EIN 25-1687586 | Claims processing Service code 12 | 4401 DEER PATH ROAD HARRISBURG, PA 17110 | $53K |
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 | 639 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 642 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VBA | 653 | $60K |
| Life insurance | ONE AMERICA | 658 | $0 |
| Stop-loss / reinsurancereinsurance | HM INSURANCE GROUP | 588 | $369K |
| Other(2 contracts, 2 carriers) | FEDERAL INSURANCE COMPANY | 658 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 658 | — |
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.