| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COURY HEALTH SERVICES LLC3 Filed as: COURY HEALTH SERVICES INC | ONE OXFORD CENTRE #300 PITTSBURGH, PA 15219 | AETNA LIFE INSURANCE COMPANY | — | $3K | $3K | 0.25% |
| COURY HEALTH SERVICES LLC3 Filed as: COURY HEALTH SERVICES | 965 GREENTREE RD STE 310 PITTSBURGH, PA 15220 | PRINCIPAL LIFE INSURANCE COMPANY | $15K | — | $15K | 10.51% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 965 GREENTREE RD STE 110 PITTSBURGH, PA 15220 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | $2K | $8K | 5.93% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COURY HEALTH SERVICES BROKER | Insurance agents and brokers Service code 22 | ONE OXFORD CENTRE #300 PITTSBURGH, PA 15219 | $28K |
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 | 127 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 129 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 173 | $996K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 245 | $143K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 245 | $143K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 245 | $143K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 245 | $143K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 245 | $143K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 245 | $143K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 245 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.