| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BBR BENEFITS SOLUTIONS LLC3 Filed as: BBR BENEFITS SOLUTIONS, LLC | 8150 PERRY HIGHWAY, STE 100 PITTSBURGH, PA 15237 | UNITED CONCORDIA INSURANCE COMPANY | $11K | — | $11K | 9.98% |
| EMERSON REID LLC3 | 1305 WALT WHITMAN RD 310 MELVILLE, NY 11747 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 7.22% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 4.55% |
| JRG ADVISORS LLC | 7000 STONEWOOD DR 251 WEXFORD, PA 15090 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $907 | — | $907 | 1.39% |
| BBR BENEFITS SOLUTIONS LLC3 Filed as: BBR BENEFITS SOLUTIONS, LLC | 8150 PERRY HIGHWAY, SUITE 100 PITTSBURGH, PA 15237 | VISION BENEFITS OF AMERICA | $421 | — | $421 | 2.46% |
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 | 169 | 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) | 169 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 332 | $109K |
| Vision | VISION BENEFITS OF AMERICA | 151 | $17K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 169 | $65K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 169 | $65K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 169 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 332 | — |
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.