| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COURY HEALTH SERVICES LLC3 | 965 GREENTREE RD SUITE 310 PITTSBURGH, PA 15220 | SUN LIFE ASSURANCE COMPANY OF CANADA | $59K | $18K | $77K | 13.03% |
| COURY HEALTH SERVICES LLC3 | 965 GREENTREE RD SUITE 310 PITTSBURGH, PA 15220 | SUN LIFE ASSURANCE COMPANY OF CANADA | $8K | $6K | $14K | 3.51% |
| AGM BENEFITS3 | 8550 UNITED PLAZA BLVD SUITE 210 BATON ROUGE, LA 70809 | TRANSAMERICA LIFE INSURANCE COMPANY | $24K | $0 | $24K | 23.35% |
| KEVIN W SWEENEY3 | 1045 BLACKBERRY DR SEWICKLEY, PA 15143 | TRANSAMERICA LIFE INSURANCE COMPANY | $24K | $0 | $24K | 23.35% |
| COURY HEALTH SERVICES LLC3 | 965 GREENTREE RD SUITE 310 PITTSBURGH, PA 15220 | VISION BENEFITS OF AMERICA | $4K | $0 | $4K | 5.00% |
| COTERIE ADVISORY GROUP3 | 7878 N 16TH STE 180 PHOENIX, AZ 85020 | GLOBE LIFE AND ACCIDENT INSURANCE COMPANY | $608 | $3K | $4K | 12.70% |
| KEVIN SWEENY COURY HEALTH SERVICES3 | 965 GREENTREE RD SUITE 310 PITTSBURGH, PA 15220 | GLOBE LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $546 | $2K | 8.13% |
| COURY HEALTH SERVICES LLC3 | 965 GREENTREE RD SUITE 310 PITTSBURGH, PA 15219 | METLIFE LEGAL PLANS | $2K | $246 | $3K | 10.25% |
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 | 1,282 | 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) | 1,282 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GLOBE LIFE AND ACCIDENT INSURANCE COMPANY | 11 | $29K |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 939 | $400K |
| Vision | VISION BENEFITS OF AMERICA | 578 | $85K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,282 | $593K |
| Short-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,282 | $622K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,282 | $593K |
| Other(4 contracts, 4 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,282 | $752K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,282 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.