| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COURY HEALTH SERVICES LLC3 | 965 GREENTREE ROAD, SUITE 310 PITTSBURGH, PA 15220 | PRINCIPAL LIFE INSURANCE COMPANY | $16K | $0 | $16K | 4.98% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 965 GREENTREE ROAD, SUITE 110 PITTSBURGH, PA 15220 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $16K | $16K | 4.87% |
| USI INSURANCE SERVICES LLC3 | 11350 MCCORMICK ROAD, SUITE 1200 HUNT VALLEY, MD 21031 | PRINCIPAL LIFE INSURANCE COMPANY | $7K | $0 | $7K | 2.21% |
| USI INSURANCE SERVICES LLC3 | 965 GREENTREE ROAD, SUITE 310 PITTSBURGH, PA 15220 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $12K | $0 | $12K | 6.91% |
| COURY HEALTH SERVICES LLC3 | 965 GREENTREE ROAD, SUITE 310 PITTSBURGH, PA 15220 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $7K | $0 | $7K | 3.78% |
| DAVID J MLINARICH3 Filed as: DAVID JOSEPH MLINARICH | 955 HEDY LYNN DRIVE IRWIN, PA 15642 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 8.70% |
| COURY HEALTH SERVICES LLC3 | 965 GREENTREE ROAD, SUITE 310 PITTSBURGH, VA 15220 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 6.65% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 2.84% |
| DANIEL HAYDEN3 | 2553 RAYMOND AVENUE LATROBE, PA 15650 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 2.36% |
| MARIA JANE SHIRLEY3 | 131 RED BARN ROAD HOMER CITY, PA 15748 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 2.27% |
| MICHAEL H FLEMING3 Filed as: MICHAEL HENRY FLEMING | 11186 BROKERS LANE IRWIN, PA 15642 | CONTINENTAL AMERICAN INSURANCE COMPANY | $851 | $0 | $851 | 1.55% |
| BRITTANY FINGER3 | 423 CHESTNUT STREET JEANNETTE, PA 15644 | CONTINENTAL AMERICAN INSURANCE COMPANY | $385 | $0 | $385 | 0.70% |
| COURY HEALTH SERVICES LLC3 | 965 GREENTREE ROAD, SUITE 310 PITTSBURGH, PA 15220 | VISION BENEFITS OF AMERICA | $416 | $0 | $416 | 1.45% |
| USI INSURANCE SERVICES LLC3 | SIX PPG PLACE, SUITE 200 PITTSBURGH, PA 15222 | VISION BENEFITS OF AMERICA | $289 | $0 | $289 | 1.01% |
| COURY HEALTH SERVICES LLC3 | 965 GREENTREE ROAD, SUITE 310 PITTSBURGH, CA 15220 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 5.80% |
| USI INSURANCE SERVICES LLC3 | 21250 HAWTHORNE BOULEVARD 6TH FLOOR TORRANCE, CA 90503 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $768 | $0 | $768 | 3.23% |
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 | 215 | 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) | 215 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 8 | $181K |
| Dental(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 440 | $509K |
| Vision | VISION BENEFITS OF AMERICA | 294 | $29K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 440 | $509K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 440 | $328K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 440 | $328K |
| Other(4 contracts, 4 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 440 | $588K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 440 | — |
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.