| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COURY HEALTH SERVICES LLC3 | 965 GREENTREE ROAD STE 310 PITTSBURGH, PA 15220 | PRINCIPAL LIFE INSURANCE COMPANY | $25K | $17K | $42K | 10.10% |
| ARMS INSURANCE GROUP LLC3 | 965 GREENTREE ROAD STE 110 PO BOX 4 PITTSBURGH, PA 15220 | PRINCIPAL LIFE INSURANCE COMPANY | $11K | — | $11K | 2.63% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 3 PARKWAY NORTH BLVD STE 500 DEERFIELD, IL 60015 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 0.44% |
| DAVID J MLINARICH3 | 955 HEDDY LANE NORTH HUNTINGDON, PA 15642 | AFLAC | $3K | $249 | $3K | 4.72% |
| VERA KARAZSIA3 | 229 DRIFT RD BOSWELL, PA 15531 | AFLAC | $2K | $319 | $2K | 3.27% |
| VICKY L LOMAX3 | 201 CITY PARK RD MONESSEN, PA 15062 | AFLAC | $2K | $185 | $2K | 2.81% |
| MICHAEL H FLEMING3 | 11186 BROKERS LN IRWIN, PA 15642 | AFLAC | $2K | $156 | $2K | 2.75% |
| JAMES DANIEL CRAWLEY3 | 2316 MCNARY BLVD PITTSBURGH, PA 15236 | AFLAC | $941 | $123 | $1K | 1.65% |
| COURY HEALTH SERVICES LLC3 | 310 GRANT ST STE 1320 PITTSBURGH, PA 15219 | AFLAC | $833 | — | $833 | 1.29% |
| ADAM N STEINEL3 | 7456 US ROUTE 30 3RD FL IRWIN, PA 15642 | AFLAC | $502 | $29 | $531 | 0.82% |
| KELCEE RUPERT3 | 194 OREGON AVE APT 1 GREENSBURG, PA 15601 | AFLAC | $464 | $8 | $472 | 0.73% |
| MELANIE DAWN BERESFORD3 | 4302 3RD STREET MCKEESPORT, PA 15132 | AFLAC | $244 | — | $244 | 0.38% |
| BRETT R MANIPPO3 | 105 BRYCE WAY WINDBER, PA 15963 | AFLAC | $171 | — | $171 | 0.27% |
| JAMONT L KINDS3 Filed as: JAMONT LAVAL KINDS | 413 30TH STREET MCKEESPORT, PA 15132 | AFLAC | $152 | — | $152 | 0.24% |
| SHAYNE L BRANDENBURG3 Filed as: SHAYNE L BRANDENBURGH | 17765 ROUTE 954 HWY N HOME, PA 15747 | AFLAC | $133 | — | $133 | 0.21% |
| SARAH REIHART3 | 7546 US 30 IRWIN, PA 15642 | AFLAC | $119 | — | $119 | 0.18% |
| DALTON JOHN MERICHKO3 | 217 HORNOCK DR NEW ALEXANDRIA, PA 15670 | AFLAC | $98 | — | $98 | 0.15% |
| KRYSTA LYNN CORNELISON3 | 1318 MAYWOOD LN GREENSBURG, PA 15601 | AFLAC | $93 | — | $93 | 0.14% |
| ROBERT D BURTON3 | 550 SOUTH AVE VERONA, PA 15147 | AFLAC | $71 | — | $71 | 0.11% |
| GAIL ELIZABETH BAKER3 | 19 N HIGH ST SCOTTDALE, PA 15683 | AFLAC | $58 | — | $58 | 0.09% |
| MARK S HENDERSON3 | 1300 LIGONIER ST LATROBE, PA 15650 | AFLAC | $58 | — | $58 | 0.09% |
| MACKENZIE LIVINGSTON3 | 32 HART AVE BLAIRSVILLE, PA 15717 | AFLAC | $47 | — | $47 | 0.07% |
| VERA KARAZSIA3 | 389 BRUSH AVE JOHNSTOWN, PA 15906 | AFLAC | $28 | $17 | $45 | 0.07% |
| STACY PATRICK3 Filed as: STACY M PATRICK | 19 PHYLLIS DR IMPERIAL, PA 15126 | AFLAC | $44 | — | $44 | 0.07% |
| GAIL ELIZABETH BAKER3 | 116 STARBOARD VILLAGE APT 22 GREENSBURG, PA 15601 | AFLAC | $33 | $6 | $39 | 0.06% |
| RAMKRISHNA AGARWAL3 | 106 SHEFFIELD LANE MCMURRAY, PA 15317 | AFLAC | $24 | — | $24 | 0.04% |
| ROBERT L. BLANKENSHIP3 Filed as: ROBERT BLANKENSHIP | 2214 FORELAND DR HOUSTON, TX 77077 | AFLAC | $19 | — | $19 | 0.03% |
| JOHN PAUL THOMPSON II3 | 236 HAVERSHAM RD DELTONA, FL 32725 | AFLAC | $17 | — | $17 | 0.03% |
| AMERICANIZED BENEFITS CONSULTANTS3 | 9575 KATY FWY STE 150 HOUSTON, TX 77027 | AFLAC | $14 | — | $14 | 0.02% |
| RUTH E WOODS3 | 147 HEMPHILL ST PITTSBURGH, PA 15214 | AFLAC | $13 | — | $13 | 0.02% |
| GERALD R PFLUG3 | 1601 AMBASSADOR LN VALENCIA, PA 16059 | AFLAC | $11 | — | $11 | 0.02% |
| MICHAEL W. HART3 Filed as: MICHAEL W HART | 44 WINDSWEPT DRIVE PORT LAVACA, TX 77979 | AFLAC | $11 | — | $11 | 0.02% |
| JOHN W DRAY3 | 123 THOMAS RD MCMURRAY, PA 15317 | AFLAC | $10 | — | $10 | 0.02% |
| BRIAN W PATTEN3 | 120 MARGUERITE DR STE 101 CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $10 | — | $10 | 0.02% |
| ANDREA STEARNS3 | PO BOX 323 BETHEL PARK, PA 15102 | AFLAC | $10 | — | $10 | 0.02% |
| DANIEL R JUDY3 | 231 WALTERS MILL RD SOMERSET, PA 15501 | AFLAC | $8 | — | $8 | 0.01% |
| JARED E DAY3 | 19710 CHARA CT CYPRESS, TX 77433 | AFLAC | $8 | — | $8 | 0.01% |
| SMITH BENEFITS CONSULTING GROUP3 | 810 RIVER AVE STE 230 PITTSBURGH, PA 15212 | AFLAC | $7 | — | $7 | 0.01% |
| MICHAEL GRASS3 | 21707 KINGSLAND BLVD STE 105 KATY, TX 77450 | AFLAC | $6 | — | $6 | 0.01% |
| MICHAEL J RISTER3 | 23 SCENIC MILL PL THE WOODLANDS, TX 77382 | AFLAC | $6 | — | $6 | 0.01% |
| DAVID K AGARWAL3 | PO BOX 15315 PITTSBURGH, PA 15237 | AFLAC | $6 | — | $6 | 0.01% |
| ANTHONY JOSEPH HERMANKEVICH3 | 525 UNION AVE PITTSBURGH, PA 15202 | AFLAC | $6 | — | $6 | 0.01% |
| SMC INSURANCE AGENCY, INC.3 Filed as: SMC INSURANCE AGENCY INC | 1382 BEULAH RD # 801 PITTSBURGH, PA 15235 | AFLAC | $4 | — | $4 | 0.01% |
| ETHAN ROBERT RIFFE3 | 5500 BROOKTREE RD STE 102 WEXFORD, PA 15090 | AFLAC | $4 | — | $4 | 0.01% |
| JEFF MUSGROVE3 | 3126 PINEY FOREST DR HOUSTON, TX 77084 | AFLAC | $1 | — | $1 | 0.00% |
| TODD A STULL3 | 810 MASON RD STE 102 KATY, TX 77450 | AFLAC | $1 | — | $1 | 0.00% |
| MELISSA DAWN MCCLAIN3 | 104 WITHEROW RD SEWICKLEY, PA 15143 | AFLAC | $1 | — | $1 | 0.00% |
| MARIO HAIFA3 | 216 WARWICK DR PITTSBURGH, PA 15241 | AFLAC | $1 | — | $1 | 0.00% |
| THE TORRES GROUP LLC3 | 1750 FARMINGTON CIRCLE WELLINTON, TN 37919 | AFLAC | $1 | — | $1 | 0.00% |
| TIMOTHY R QUINLAN3 | 137 SEMICOLON LN RENFREW, PA 16053 | AFLAC | $1 | — | $1 | 0.00% |
| COURY HEALTH SERVICES LLC3 | 965 GREENTREE ROAD STE 310 PITTSBURGH, PA 15220 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 5.17% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC EMPLOYEE BENEFIT | SERVICE LLC 965 GREENTREE ROAD STE 310 PITTSBURGH, PA 15226 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 4.83% |
| COURY HEALTH SERVICES LLC3 Filed as: COURY HEALTH SERVICES | 965 GREENTREE ROAD STE 310 PITTSBURGH, PA 15220 | VISION BENEFITS OF AMERICA | $1K | — | $1K | 4.38% |
| COURY HEALTH SERVICES LLC3 Filed as: COURY HEALTH SERVICES | 965 GREENTREE ROAD STE 310 PITTSBURGH, PA 15220 | VISION BENEFITS OF AMERICA | $683 | — | $683 | 6.59% |
| COURY HEALTH SERVICES LLC3 | 965 GREENTREE ROAD STE 310 PITTSBURGH, PA 15220 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $306 | — | $306 | 5.79% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC EMPLOYEE BENEFIT SVC | 965 GREENTREE ROAD STE 310 PITTSBURGH, PA 15226 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $239 | — | $239 | 4.52% |
| COURY HEALTH SERVICES LLC3 | 965 GREENTREE ROAD STE 310 PITTSBURGH, PA 15220 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $74 | — | $74 | 5.00% |
| STRATEIC EMPLOYEE BENEFIT SVC3 | 965 GREENTREE ROAD STE 310 PITTSBURGH, PA 15226 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $74 | — | $74 | 5.00% |
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 | 253 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 253 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 566 | $411K |
| Vision(2 contracts) | VISION BENEFITS OF AMERICA | 242 | $40K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 566 | $413K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 566 | $411K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 566 | $411K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 237 | $676K |
| Other(6 contracts, 4 carriers) | AFLAC | 221 | $115K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 566 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.