| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC Filed as: ALERA GROUP, INC. | 965 GREENTREE ROAD SUITE 110 PITTSBURGH, PA 15220 | GUARDIAN | $3K | $3K | $6K | 8.94% |
| COURY HEALTH SERVICES LLC Filed as: COURY HEALTH SERVICES | 965 GREENTREE ROAD SUITE 310 PITTSBURGH, PA 15220 | GUARDIAN | $3K | — | $3K | 3.83% |
| LIFETIME FINANCIAL GROWTH Filed as: LIFETIME FINANCIAL GROWTH, LLC | 244 BOULEVARD OF THE ALLIES PITTSBURGH, PA 15222 | GUARDIAN | $38 | — | $38 | 0.06% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 965 GREENTREE ROAD SUITE 110 PITTSBURGH, PA 15220 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $4K | $13K | 21.01% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 3.00% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 965 GREENTREE ROAD SUITE 110 PITTSBURGH, PA 15220 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $5K | 18.49% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 4.25% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. DBA COURY HEALTH | 965 GREENTREE ROAD SUITE 110 PITTSBURGH, PA 15220 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $802 | $3K | 21.47% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $401 | $401 | 3.23% |
| COURY HEALTH SERVICES LLC3 Filed as: COURY HEALTH SERVICES | 965 GREENTREE ROAD SUITE 310 PITTSBURGH, PA 15220 | VISION BENEFITS OF AMERICA | $423 | — | $423 | 3.50% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 965 GREENTREE ROAD SUITE 110 PITTSBURGH, PA 15220 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $493 | — | $493 | 13.77% |
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 | 132 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HIGHMARK, INC | 285 | $3.3M |
| Dental | GUARDIAN | 102 | $65K |
| Vision | VISION BENEFITS OF AMERICA | 174 | $12K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 260 | $89K |
| Short-term disability(3 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 260 | $93K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 160 | $12K |
| Prescription drug(2 contracts, 2 carriers) | HIGHMARK, INC | 285 | $3.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 285 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.