| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COURY HEALTH SERVICES LLC3 | 965 GREENTREE RD STE 310 PITTSBURGH, PA 15220 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | — | $5K | 10.35% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 965 GREENTREE RD STE 110 PITTSBURGH, PA 15220 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $401 | $3K | 5.94% |
| COURY HEALTH SERVICES LLC3 Filed as: COURY HEALTH SERVICES | 965 GREENTREE RD STE 310 PITTSBURGH, PA 15220 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 33.22% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC | 965 GREENTREE RD STE 110 PITTSBURGH, PA 15220 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $492 | $397 | $889 | 9.03% |
| LIFETIME FINANCIAL GROWTH3 Filed as: LIFETIME FINANCIAL GROWTH LLC | 244 BLVD OF THE ALLIES STE 3 PITTSBURGH, PA 15222 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3 | — | $3 | 0.03% |
| COURY HEALTH SERVICES LLC3 | 965 GREENTREE RD STE 310 PITTSBURGH, PA 15220 | EYEMED VISION CARE | $772 | — | $772 | 11.11% |
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 | 122 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 97 | $10K |
| Vision | EYEMED VISION CARE | 190 | $7K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 142 | $44K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 142 | $44K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 142 | $44K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 142 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 190 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.