| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE EARL LUTTNER GROUP INC3 Filed as: THE EARL LUTTNER GROUP | 244 BLVD OF THE ALLIES PITTSBURGH, PA 15222 | HARTFORD LIFE AND ACCIDENT | $1K | — | $1K | 7.46% |
| COURY HEALTH SERVICES LLC3 | 965 GREENTREE ROAD SUITE 310 PITTSBURGH, PA 15220 | HARTFORD LIFE AND ACCIDENT | $944 | — | $944 | 5.26% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP LLC | 155 PINELAWN ROAD SUITE 120S MELVILLE, NY 11747 | HARTFORD LIFE AND ACCIDENT | — | $235 | $235 | 1.31% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY N SUITE 500 DEERFIELD, IL 60015 | HARTFORD LIFE AND ACCIDENT | $50 | — | $50 | 0.28% |
| JEFFREY DYER3 | 223 OVERLOOK DR MCMURRAY, PA 15317 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $438 | — | $438 | 5.01% |
| ERIC STARTARE3 | 61 MEYERS RD WASHINGTON, PA 15301 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $306 | — | $306 | 3.50% |
| RONALD GESTIEHR3 | 81 WARWICK DRIVE PITTSBURGH, PA 15241 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $87 | — | $87 | 0.99% |
| THOMAS WYATT3 | 6724 LINDA LN SUNBURY, OH 43074 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $44 | — | $44 | 0.50% |
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 | 150 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 150 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 150 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 150 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.