| 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 | $23K | — | $23K | 5.74% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | ARMS INSURANCE GROUP LLC 965 GREENTREE ROAD STE 110 PITTSBURGH, PA 15220 | PRINCIPAL LIFE INSURANCE COMPANY | $19K | $4K | $23K | 5.64% |
| COURY HEALTH SERVICES LLC3 | 965 GREENTREE RD STE 310 PITTSBURGH, PA 15220 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $10K | — | $10K | 10.81% |
| COURY HEALTH SERVICES LLC3 Filed as: COURY HEALTH SERVICES | 965 GREENTREE ROAD STE 310 PITTSBURGH, PA 15220 | VISION BENEFITS OF AMERICA | $508 | — | $508 | 1.88% |
| COURY HEALTH SERVICES LLC3 | 965 GREENTREE ROAD STE 310 PITTSBURGH, PA 15220 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 10.00% |
| COURY HEALTH SERVICES LLC3 Filed as: COURY HEALTH SERVICES | 965 GREENTREE RD STE 310 PITTSBURGH, PA 15220 | CHLIC FOR THE BENEFIT OF LINA | $2K | — | $2K | 10.75% |
| COURY HEALTH SERVICES LLC3 Filed as: COURY HEALTH SERVICES | 965 GREENTREE ROAD STE 310 PITTSBURGH, PA 15220 | VISION BENEFITS OF AMERICA | $302 | — | $302 | 3.50% |
| COURY HEALTH SERVICES LLC3 | 965 GREENTREE ROAD STE 310 PITTSBURGH, PA 15220 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $578 | — | $578 | 9.42% |
| COURY HEALTH SERVICES LLC3 | 965 GREENTREE ROAD STE 310 PITTSBURGH, PA 15220 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $157 | — | $157 | 11.23% |
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 | 241 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 241 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 501 | $406K |
| Vision(2 contracts) | VISION BENEFITS OF AMERICA | 207 | $36K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 501 | $427K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 501 | $406K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 501 | $406K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 209 | $600K |
| Other(6 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 176 | $155K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 501 | — |
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.