| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COURY HEALTH SERVICES LLC3 | 965 GREENTREE ROAD SUITE 310 PITTSBURGH, PA 15220 | PRINCIPAL LIFE INSURANCE COMPANY | $59K | $9K | $68K | 8.78% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC DBA ARMS | 965 GREENTREE ROAD SUITE 110 PITTSBBURGH, PA 15224 | PRINCIPAL LIFE INSURANCE COMPANY | — | $6K | $6K | 0.75% |
| COURY HEALTH SERVICES LLC3 | 965 GREENTREE ROAD SUITE 310 PITTSBURGH, PA 15220 | VISION BENEFITS OF AMERICA | $4K | — | $4K | 5.00% |
| GCG FINANCIAL LLC3 Filed as: AGM BENEFITS AN ALERA GROUP AGY LLC | 8550 UNITED PLAZA BLVD SUITE 210 BATON ROUGE, LA 70809 | TRANSAMERICA LIFE INSURANCE COMPANY | $11K | — | $11K | 30.00% |
| KEVIN W SWEENEY3 | 1045 BLACKBERRY DR SEWICKLEY, PA 15143 | TRANSAMERICA LIFE INSURANCE COMPANY | $11K | — | $11K | 30.00% |
| COURY HEALTH SERVICES LLC3 | 965 GREENTREE ROAD SUITE 310 PITTSBURGH, PA 15219 | METLIFE LEGAL PLANS | $815 | — | $815 | 10.00% |
| COTERIE ADVISORY GROUP3 | 7878 N 16TH STREET SUITE 180 PHOENIX, AZ 85020 | GLOBE LIFE AND ACCIDENT INSURANCE COMPANY | $240 | $852 | $1K | 17.09% |
| KEVIN SWEENY COURY HEALTH SERVICES3 Filed as: KEVIN SWEENEY - COURY HEALTH SRVS | 965 GREENTREE ROAD SUITE 310 PITTSBURGH, PA 15220 | GLOBE LIFE AND ACCIDENT INSURANCE COMPANY | $720 | $151 | $871 | 13.63% |
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 | 919 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 929 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GLOBE LIFE AND ACCIDENT INSURANCE COMPANY | 11 | $6K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 1,586 | $769K |
| Vision | VISION BENEFITS OF AMERICA | 564 | $73K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 1,586 | $769K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 1,586 | $769K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 1,586 | $769K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 584 | $1.5M |
| Other(3 contracts, 3 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 120 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,586 | — |
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.