| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COURY HEALTH SERVICES LLC3 | 965 GREENTREE ROAD STE 310 PITTSBURGH, PA 15220 | UPMC HEALTH OPTIONS | $25K | — | $25K | 2.95% |
| COURY HEALTH SERVICES LLC3 | 965 GREENTREE ROAD STE 310 PITTSBURGH, PA 15220 | UPMC HEALTH OPTIONS | $10K | — | $10K | 2.97% |
| COURY HEALTH SERVICES LLC3 | 965 GREENTREE ROAD STE 310 PITTSBURGH, PA 15220 | UPMC HEALTH BENEFITS | $3K | — | $3K | 9.42% |
| COURY HEALTH SERVICES LLC3 | 965 GREENTREE ROAD STE 310 PITTSBURGH, PA 15220 | UPMC HEALTH BENEFITS | $3K | — | $3K | 9.42% |
| ISM INSURANCE INC3 Filed as: ISM INSURANCE INC. | 1316 N UNION STREET WILMINGTON, DE 19806 | UNION SECURITY INSURANCE COMPANY | $6K | — | $6K | 22.00% |
| ISM INSURANCE INC3 Filed as: ISM INSURANCE INC. | 1316 N UNION STREET WILMINGTON, DE 19806 | SUN LIFE ASSURANCE COMPANY OF CANADA | $575 | — | $575 | 10.88% |
| COURY HEALTH SERVICES LLC3 | 965 GREENTREE ROAD STE 310 PITTSBURGH, PA 15220 | UPMC HEALTH OPTIONS | $30 | — | $30 | 5.99% |
| COURY HEALTH SERVICES LLC3 | 965 GREENTREE ROAD STE 310 PITTSBURGH, PA 15220 | UPMC HEALTH BENEFITS | $3 | — | $3 | 4.84% |
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 | 179 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 179 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts) | UPMC HEALTH OPTIONS | 142 | $1.2M |
| Dental(2 contracts) | UPMC HEALTH BENEFITS | 1 | $62 |
| Vision(2 contracts) | UPMC HEALTH BENEFITS | 112 | $69K |
| Life insurance(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 148 | $31K |
| Long-term disability(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 148 | $31K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 148 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 148 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.