| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB, INC. | 850 RIDE AVENUE PITTSBURGH, PA 15212 | ONE AMERICA | $4K | — | $4K | 4.42% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB, INC. | 850 RIDE AVENUE PITTSBURGH, PA 15212 | VISION BENEFITS OF AMERICA | $482 | — | $482 | 0.89% |
| IMA, INC.3 | 316 FIRST AVENUE 3RD FLOOR KITTANNING, PA 16201 | VISION BENEFITS OF AMERICA | $335 | — | $335 | 0.62% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BABB, INC. | 850 RIDE AVENUE PITTSBURGH, PA 15212 | ONE AMERICA | $8K | — | $8K | 15.00% |
| IMA, INC.3 | 101 EAST DIAMOND STREET BUTLER, PA 16001 | FEDERAL INSURANCE COMPANY | $374 | $12 | $386 | 15.49% |
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 | 711 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 719 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION BENEFITS OF AMERICA | 632 | $54K |
| Life insurance | ONE AMERICA | 326 | $53K |
| Long-term disability | ONE AMERICA | 725 | $94K |
| Other(2 contracts, 2 carriers) | ONE AMERICA | 326 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 725 | — |
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.