| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MY BENEFIT ADVISOR LLC3 Filed as: MY BENEFIT ADVISOR, LLC | 7000 STONEWOOD DRIVE, SUITE 251 WEXFORD, PA 150907376 | HIGHMARK INC. | $87K | — | $87K | 4.24% |
| MY BENEFIT ADVISOR LLC3 Filed as: MY BENEFIT ADVISOR, LLC | 7000 STONEWOOD DRIVE, SUITE 251 WEXFORD, PA 150907376 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $544 | — | $544 | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MY BENEFIT ADVISOR, LLC EIN 20-5335092 NONE | Accounting (including auditing); Other services; Contract Administrator Service code 10 | 7000 STONEWOOD DRIVE, STE 251 WEXFORD, PA 15090 | $35K |
| GROSSMAN YANAK & FORD LLP EIN 25-1638525 NONE | Accounting (including auditing) Service code 10 | THREE GATEWAY CENTER, SUITE 1800 PITTSBURGH, PA 15222 | $16K |
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 | 357 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 357 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK INC. | 555 | $2.1M |
| Dental(2 contracts, 2 carriers) | UNITED CONCORDIA INSURANCE COMPANY | 192 | $77K |
| Vision | HM LIFE INSURANCE COMPANY | 291 | $15K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 189 | $5K |
| Prescription drug | HIGHMARK INC. | 555 | $2.1M |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 189 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 555 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.