| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 4550 LENA DR MECHANICSBURG, PA 17050 | HIGHMARK INC | $8K | $0 | $8K | 9.94% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC DBA COURY HEALTH SV | 965 GREENTREE RD STE 310 PITTSBURGH, PA 15220 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $4K | $4K | 7.43% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP | 119 W WAYNE AVE WAYNE, PA 19087 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 5.21% |
| GCG FINANCIAL LLC3 Filed as: ALERA GENERAL AGENCY | 4550 LENA DR MECHANICSBURG, PA 17055 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $422 | $422 | 0.85% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC DBA COURY | 680 ANDERSEN DR STE 615 PITTSBURGH, PA 15220 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $0 | $7K | 15.00% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC DBA COURY HEALTH SV | 965 GREENTREE RD STE 310 PITTSBURGH, PA 15220 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 6.79% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 119 W WAYNE AVE WAYNE, PA 19087 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 5.16% |
| GCG FINANCIAL LLC3 Filed as: ALERA GENERAL AGENCY | 4550 LENA DR MECHANICSBURG, PA 17055 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $378 | $378 | 0.81% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC DBA COURY | 680 ANDERSEN DR STE 615 PITTSBURGH, PA 15220 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | $0 | $11K | 25.00% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC DBA COURY HEALTH SV | 965 GREENTREE RD STE 310 PITTSBURGH, PA 15220 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 7.25% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 119 W WAYNE AVE WAYNE, PA 19087 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 5.26% |
| GCG FINANCIAL LLC3 Filed as: ALERA GENERAL AGENCY | 4550 LENA DR MECHANICSBURG, PA 17055 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $326 | $326 | 0.77% |
| COURY HEALTH SERVICES LLC3 Filed as: COURY HEALTH SERVICES, LLC | 965 GREENTREE RD SUITE 310 PITTSBURGH, PA 15220 | VISION BENEFITS OF AMERICA | $913 | $0 | $913 | 5.39% |
| WEB BENEFITS DESIGN CORPORATION3 | 4725 W SAND LAKE RD STE 300 ORLANDO, FL 32819 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $8K | $8K | 49.32% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC DBA COURY | 680 ANDERSEN DR STE 615 PITTSBURGH, PA 15220 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 15.00% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC DBA COURY HEALTH SV | 965 GREENTREE RD STE 310 PITTSBURGH, PA 15220 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 7.22% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 119 W WAYNE AVE WAYNE, IL 19087 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $867 | $867 | 5.26% |
| GCG FINANCIAL LLC3 Filed as: ALERA GENERAL AGENCY | 4550 LENA DR MECHANICSBURG, PA 17055 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $128 | $128 | 0.78% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC DBA COURY | 680 ANDERSEN DR STE 615 PITTSBURGH, PA 15220 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 8.00% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC DBA COURY HEALTH SV | 965 GREENTREE RD STE 310 PITTSBURGH, PA 15220 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 6.78% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 119 W WAYNE AVE WAYNE, PA 19087 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $819 | $819 | 5.10% |
| GCG FINANCIAL LLC3 Filed as: ALERA GENERAL AGENCY | 4550 LENA DR MECHANICSBURG, PA 17055 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $141 | $141 | 0.88% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC DBA COURY | 680 ANDERSEN DR STE 615 PITTSBURGH, PA 15220 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 15.00% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC DBA COURY HEALTH SV | 965 GREENTREE RD STE 310 PITTSBURGH, PA 15220 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 7.38% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 119 W WAYNE AVE WAYNE, PA 60015 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $797 | $797 | 5.27% |
| GCG FINANCIAL LLC3 Filed as: ALERA GENERAL AGENCY | 4550 LENA DR MECHANICSBURG, PA 17055 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $119 | $119 | 0.79% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR EIN 39-1995276 ADMIN | Claims processing Service code 12 | — | $72K |
| THE BENECON GROUP EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $30K |
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 | 247 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 248 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HIGHMARK INC | 367 | $84K |
| Vision | VISION BENEFITS OF AMERICA | 159 | $17K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 248 | $16K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 248 | $50K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | HM LIFE INSURANCE COMPANY | 137 | $460K |
| Other(5 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 248 | $137K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 367 | — |
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.