| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JRG ADVISORS LLC3 Filed as: JRG ADVISORS, LLC | 7000 STONEWOOD DRIVE, SUITE 251 WEXFORD, PA 15090 | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | $6K | — | $6K | 9.97% |
| JRG ADVISORS LLC3 Filed as: JRG ADVISORS, LLC | 7000 STONEWOOD DRIVE, SUITE 251 WEXFORD, PA 150907376 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| JRG ADVISORS LLC3 Filed as: JRG ADVISORS, LLC | 7000 STONEWOOD DRIVE, SUITE 251 WEXFORD, PA 15090 | UNITED CONCORDIA DENTAL PLANS OF PENNSYLVANIA, INC. | $479 | — | $479 | 7.93% |
| JRG ADVISORS LLC3 Filed as: JRG ADVISORS, LLC | 7000 STONEWOOD DRIVE, SUITE 251 WEXFORD, PA 150907376 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $242 | — | $242 | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| JRG ADVISORS, LLC EIN 20-5821801 NONE | Contract Administrator; Accounting (including auditing); Other services Service code 10 | 7000 STONEWOOD DRIVE, STE 251 WEXFORD, PA 15090 | $57K |
| GROSSMAN YANAK & FORD LLP EIN 25-1638525 NONE | Accounting (including auditing) Service code 10 | THREE GATEWAY CENTER, SUITE 1800 PITTSBURGH, PA 15222 | $26K |
| WILLIAMS MULLEN EIN 54-1246519 NONE | Legal Service code 29 | PO BOX 1320 RICHMOND, VA 23218 | $6K |
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 | 256 | 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) | 256 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | 179 | $69K |
| Vision | HM LIFE INSURANCE COMPANY | 250 | $10K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 175 | $16K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 175 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 250 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.