| 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 | $8K | $31K | 8.01% |
| 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 | — | $19K | 4.99% |
| COURY HEALTH SERVICES LLC3 | 965 GREENTREE RD STE 310 PITTSBURGH, PA 15220 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $10K | — | $10K | 10.00% |
| COURY HEALTH SERVICES LLC3 Filed as: COURY HEALTH SERVICES | 965 GREENTREE ROAD STE 310 PITTSBURGH, PA 15220 | VISION BENEFITS OF AMERICA | $1K | — | $1K | 4.74% |
| COURY HEALTH SERVICES LLC3 | 965 GREENTREE ROAD STE 310 PITTSBURGH, PA 15220 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 9.26% |
| 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 | 9.17% |
| COURY HEALTH SERVICES LLC3 Filed as: COURY HEALTH SERVICES | 965 GREENTREE ROAD STE 310 PITTSBURGH, PA 15220 | VISION BENEFITS OF AMERICA | $599 | — | $599 | 6.98% |
| COURY HEALTH SERVICES LLC3 | 965 GREENTREE RD STE 310 PITTSBURGH, PA 15220 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $801 | — | $801 | 10.00% |
| COURY HEALTH SERVICES LLC3 | 965 GREENTREE ROAD STE 310 PITTSBURGH, PA 15220 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $665 | — | $665 | 10.00% |
| DAVID J MLINARICH3 | 955 HEDY LYNN DR NORTH HUNTINGDON, PA 15642 | AFLAC | $98 | — | $98 | 2.14% |
| COURY HEALTH SERVICES LLC3 | 310 GRANT ST STE 1320 PITTSBURGH, PA 15219 | AFLAC | $86 | — | $86 | 1.88% |
| MICHAEL FLEMING3 | 7546 STATE ROUTE 30 RD FL IRWIN, PA 15642 | AFLAC | $68 | — | $68 | 1.48% |
| DANIEL HAYDEN3 | 2553 RAYMOND AVE LATROBE, PA 15650 | AFLAC | $24 | — | $24 | 0.52% |
| VICKY L LOMAX3 Filed as: VICKY LOMAX | 201 CITY PARK RD MONESSEN, PA 15062 | AFLAC | $23 | — | $23 | 0.50% |
| ADAM N STEINEL3 Filed as: ADAM STEINEL | 7546 STATE ROUTE 30 STE 3 IRWIN, PA 15642 | AFLAC | $20 | — | $20 | 0.44% |
| JAMES DANIEL CRAWLEY3 Filed as: JAMES CRAWLEY | 2316 MCNARY BLVD PITTSBURGH, PA 15235 | AFLAC | $12 | — | $12 | 0.26% |
| JAMONT L KINDS3 Filed as: JAMONT KINDS | 413 30TH STREET MCKEESPORT, PA 15132 | AFLAC | $11 | — | $11 | 0.24% |
| SHAYNE L BRANDENBURG3 Filed as: SHAYNE BRANDENBURG | 17765 ROUTE 954 HWY N HOME, PA 15747 | AFLAC | $10 | — | $10 | 0.22% |
| MARIA JANE SHIRLEY3 Filed as: MARIA SHIRLEY | 131 RED BARN RD HOMER CITY, PA 15748 | AFLAC | $9 | — | $9 | 0.20% |
| KRYSTA LYNN CORNELISON3 Filed as: KRYSTA CORNELISON | 1318 MAYWOOD LN GREENSBURG, PA 15601 | AFLAC | $7 | — | $7 | 0.15% |
| VERA KARAZSIA3 | 389 BRUSH AVE JOHNSTOWN, PA 15906 | AFLAC | $6 | — | $6 | 0.13% |
| MARK S HENDERSON3 Filed as: MARK HENDERSON | 1300 LIGONIER ST LATROBE, PA 15650 | AFLAC | $5 | — | $5 | 0.11% |
| ROBERT D BURTON3 Filed as: ROBERT BURTON | 550 SOUTH AVE VERONA, PA 15147 | AFLAC | $5 | — | $5 | 0.11% |
| KHS BENEFITS LLC3 | 19 PHYLLIS DR IMPERIAL, PA 15126 | AFLAC | $4 | — | $4 | 0.09% |
| BRETT R MANIPPO3 Filed as: BRETT MANIPPO | 105 BRYCE WAY WINDBER, PA 15963 | AFLAC | $3 | — | $3 | 0.07% |
| CLAIRE AGARWAL3 | 2059 HUNTINGTON AVE APT 204 ALEXANDRIA, VA 22303 | AFLAC | $2 | — | $2 | 0.04% |
| MACKENZIE LIVINGSTON3 | 32 HART AVE BLAIRSVILLE, PA 15717 | AFLAC | $1 | — | $1 | 0.02% |
| BRIAN W PATTEN3 Filed as: BRIAN PATTEN | 120 MARGUERITE DR STE 101 CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $1 | — | $1 | 0.02% |
| DANIEL R JUDY3 Filed as: DANIEL JUDY | 231 WALTERS MILL RD SOMERSET, PA 15501 | AFLAC | $1 | — | $1 | 0.02% |
| SMITH BENEFITS CONSULTING GROUP3 | 810 RIVER AVE STE 230 PITTSBURGH, PA 15212 | AFLAC | $1 | — | $1 | 0.02% |
| COURY HEALTH SERVICES LLC3 | 965 GREENTREE ROAD STE 310 PITTSBURGH, PA 15220 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $178 | — | $178 | 10.01% |
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 | 243 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 243 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 8 | $104K |
| Dental(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 482 | $486K |
| Vision(2 contracts) | VISION BENEFITS OF AMERICA | 183 | $34K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 482 | $403K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 482 | $381K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 482 | $381K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 208 | $629K |
| Other(7 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 154 | $170K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 482 | — |
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.