| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC DBA ARMS INS GROUP | 965 GREENTREE RD STE 110 PITTSBURGH, PA 15220 | UPMC HEALTH OPTIONS | $36K | $0 | $36K | 3.30% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC DBA ARMS INS GROUP | 965 GREENTREE RD STE 110 PITTSBURGH, PA 15220 | UPMC HEALTH OPTIONS | $17K | $0 | $17K | 3.24% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC DBA ARMS INS GROUP | 965 GREENTREE RD STE 110 PITTSBURGH, PA 15220 | UPMC HEALTH BENEFITS | $4K | $0 | $4K | 9.20% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC DBA ARMS INS GROUP | 965 GREENTREE RD STE 110 PITTSBURGH, PA 15220 | UPMC HEALTH BENEFITS | $4K | $0 | $4K | 9.57% |
| ISM INSURANCE INC3 | 2207 CONCORD PIKE #417 WILMINGTON, DE 19803 | SUN LIFE ASSURANCE COMPANY OF CANADA | $8K | $0 | $8K | 22.00% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC DBA ARMS INS GROUP | 965 GREENTREE RD STE 110 PITTSBURGH, PA 15220 | UPMC HEALTH OPTIONS | $499 | $0 | $499 | 5.87% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC DBA ARMS INS GROUP | 965 GREENTREE RD STE 110 PITTSBURGH, PA 15220 | UPMC HEALTH BENEFITS | $87 | $0 | $87 | 8.44% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC DBA ARMS INS GROUP | 965 GREENTREE RD STE 110 PITTSBURGH, PA 15220 | UPMC HEALTH OPTIONS | $7 | $0 | $7 | 6.31% |
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 | 225 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 225 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | UPMC HEALTH OPTIONS | 140 | $1.6M |
| Dental(4 contracts, 2 carriers) | UPMC HEALTH BENEFITS | 132 | $85K |
| Vision(3 contracts) | UPMC HEALTH BENEFITS | 132 | $85K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 146 | $35K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 146 | $35K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 146 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 146 | — |
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.