| 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 | $73K | $0 | $73K | 10.00% |
| COURY HEALTH SERVICES LLC3 | 965 GREENTREE RD SUITE 310 PITTSBURGH, PA 15220 | SUN LIFE ASSURANCE COMPANY OF CANADA | $10K | $0 | $10K | 2.00% |
| KEVIN W SWEENEY3 | 1045 BLACKBERRY DR SEWICKLEY, PA 15143 | TRANSAMERICA LIFE INSURANCE COMPANY | $48K | $0 | $48K | 23.38% |
| AGM BENEFITS3 | 8550 UNITED PLAZA BLVD SUITE 210 BATON ROUGE, LA 70809 | TRANSAMERICA LIFE INSURANCE COMPANY | $17K | $0 | $17K | 8.19% |
| COURY HEALTH SERVICES LLC3 | 965 GREENTREE RD SUITE 310 PITTSBURGH, PA 15220 | VISION BENEFITS OF AMERICA | $5K | $0 | $5K | 5.00% |
| COURY HEALTH SERVICES LLC3 | 965 GREENTREE RD SUITE 310 PITTSBURGH, PA 15219 | METLIFE LEGAL PLANS | $4K | $541 | $4K | 12.53% |
| KEVIN SWEENY COURY HEALTH SERVICES3 | 965 GREENTREE RD SUITE 310 PITTSBURGH, PA 15220 | GLOBE LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $393 | $2K | 33.14% |
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 | 1,269 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 133 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,412 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GLOBE LIFE AND ACCIDENT INSURANCE COMPANY | 6 | $5K |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 857 | $492K |
| Vision | VISION BENEFITS OF AMERICA | 724 | $103K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,308 | $730K |
| Short-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,308 | $736K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,308 | $730K |
| Other(4 contracts, 4 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,308 | $976K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,308 | — |
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.