| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE H D H GROUP INC.3 | 210 SIXTH AVE 30TH FLOOR PITTSBURGH, PA 15222 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 5.98% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP DBA COURY HEALTH SV | 965 GREENTREE RD STE 310 PITTSBURGH, PA 15220 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 10.71% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP DBA COURY HEALTH SV | 965 GREENTREE RD STE 310 PITTSBURGH, PA 15220 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 7.74% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK EAST DR STE 350 BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 3.87% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 3 PARKWAY NORTH BLVD STE 500 DEERFIELD, IL 60015 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 3.68% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP DBA COURY HEALTH SV | 965 GREENTREE RD STE 310 PITTSBURGH, PA 15220 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 9.72% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP DBA COURY HEALTH SV | 965 GREENTREE RD STE 310 PITTSBURGH, PA 15220 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 7.38% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 3 PARKWAY NORTH BLVD STE 500 DEERFIELD, IL 60015 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 3.70% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK EAST DR STE 350 BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 3.69% |
| CHRISTOPHER KOSCHACK3 | 875 5TH ST STRUTHERS, OH 44471 | AFLAC | $2K | $0 | $2K | 6.78% |
| AUTUMN LEIGH BLACKBURN3 | 875 5TH ST STRUTHERS, OH 44471 | AFLAC | $2K | $0 | $2K | 6.78% |
| PENNY DAVIS3 | 1533 LISBON ST EAST LIVERPOOL, OH 43920 | AFLAC | $743 | $0 | $743 | 3.14% |
| PAUL D QUILLIN3 Filed as: PAUL QUILLIN | 535 N BROAD STREET CANFIELD, OH 44406 | AFLAC | $626 | $0 | $626 | 2.65% |
| MATTHEW R. WHITE3 Filed as: MATTHEW RICHARD WHITE | 1615 MOOREFIELD AVE YOUNGSTOWN, OH 44515 | AFLAC | $380 | $0 | $380 | 1.61% |
| TEMPLE K WOODLEY3 Filed as: TEMPLE WOODLEY | 2014 REIS RUN RD PITTSBURGH, PA 15237 | AFLAC | $12 | $0 | $12 | 0.05% |
| JOY GRUBE PADGELEK3 | 1195 WASHINGTON PIKE STE 300 BRIDGEVILLE, PA 15017 | AFLAC | $6 | $0 | $6 | 0.03% |
| KRISTIN J QUINLAN3 Filed as: KRISTIN QUINLAN | PO BOX 387 CONNOQUENESSING, PA 16027 | AFLAC | $6 | $0 | $6 | 0.03% |
| WILLIAM K LIEBERMAN3 Filed as: WILLIAM LIEBERMAN | 339 6TH AVE STE 720 PITTSBURGH, PA 15222 | AFLAC | $5 | $0 | $5 | 0.02% |
| RUSSELL WOODLEY3 | 2014 REIS RUN RD PITTSBURGH, PA 15237 | AFLAC | $4 | $0 | $4 | 0.02% |
| BRIAN W PATTEN3 Filed as: BRIAN PATTEN | 120 MARGUERITE DR STE 101 CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $3 | $0 | $3 | 0.01% |
| TIMOTHY R QUINLAN3 Filed as: TIMOTHY QUINLAN | PO BOX 387 CONNOQUENESSING, PA 16027 | AFLAC | $1 | $0 | $1 | 0.00% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP DBA COURY HEALTH SV | 965 GREENTREE RD STE 310 PITTSBURGH, PA 15220 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP DBA COURY HEALTH SV | 965 GREENTREE RD STE 310 PITTSBURGH, PA 15220 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 7.27% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 3 PARKWAY NORTH BLVD STE 500 DEERFIELD, IL 60015 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $862 | $862 | 3.70% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK EAST DR STE 350 BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $848 | $848 | 3.64% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP DBA COURY HEALTH SV | 965 GREENTREE RD STE 310 PITTSBURGH, PA 15220 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $975 | $0 | $975 | 10.00% |
| GCG FINANCIAL LLC Filed as: ALERA GROUP DBA COURY HEALTH SV | 965 GREENTREE RD STE 310 PITTSBURGH, PA 15220 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $653 | $653 | 6.70% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 3 PARKWAY NORTH BLVD STE 500 DEERFIELD, IL 60015 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $354 | $354 | 3.63% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK EAST DR STE 350 BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $326 | $326 | 3.34% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 151 FARMINGTON AVENUE HARTFORD, CT 06156 | $98K |
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 | 87 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 87 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 175 | $34K |
| Vision(2 contracts) | EYEMED VISION CARE | 69 | $7K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 84 | $40K |
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 84 | $47K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 74 | $33K |
| Stop-loss / reinsurancereinsurance | SWISS RE CORPORATE SOLUTIONS | 87 | $349K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 175 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.