| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JRG ADVISORS LLC3 Filed as: JRG ADVISORS, LLC | 7000 STONEWOOD DRIVE, SUITE 251 WEXFORD, PA 150907376 | HIGHMARK INC. | $75K | — | $75K | 4.39% |
| JRG ADVISORS LLC Filed as: JRG ADVISORS, LLC | 7000 STONEWOOD DRIVE, SUITE 251 WEXFORD, PA 150907376 | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | $146 | — | $146 | 0.21% |
| JRG ADVISORS LLC Filed as: JRG ADVISORS, LLC | 7000 STONEWOOD DRIVE, SUITE 251 WEXFORD, PA 150907376 | UNITED CONCORDIA DENTAL PLANS OF PENNSYLVANIA, INC. | $10 | — | $10 | 0.17% |
| JRG ADVISORS LLC3 Filed as: JRG ADVISORS, LLC | 7000 STONEWOOD DRIVE, SUITE 251 WEXFORD, PA 150907376 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $336 | — | $336 | 9.18% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| JRG ADVISORS, LLC EIN 20-5821801 NONE | Contract Administrator; Other services; Accounting (including auditing) Service code 10 | 7000 STONEWOOD DRIVE, STE 251 WEXFORD, PA 15090 | $32K |
| GROSSMAN YANAK & FORD LLP EIN 25-1638525 NONE | Accounting (including auditing) Service code 10 | THREE GATEWAY CENTER, SUITE 1800 PITTSBURGH, PA 15222 | $20K |
| DREYFUSS MANAGEMENT, LLC EIN 25-6076344 | Real estate brokerage Service code 32 | 4800 MONTGOMERY LANE 10 BETHESDA, MD 20814 | $19K |
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 | 348 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 348 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK INC. | 311 | $1.7M |
| Dental(2 contracts, 2 carriers) | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | 188 | $75K |
| Vision | HM LIFE INSURANCE COMPANY | 279 | $12K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 140 | $4K |
| Prescription drug | HIGHMARK INC. | 311 | $1.7M |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 140 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 311 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.