| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE H D H GROUP INC.3 | 210 SIXTH AVE 30TH FLOOR PITTSBURGH, PA 15222 | HM LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| COURY HEALTH SERVICES LLC3 Filed as: COURY HEALTH SERVICES INC. | 965 GREENTREE RD, SUITE 310 PITTSBURGH, PA 15220 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $471 | $7K | 9.38% |
| THE H D H GROUP INC.3 | 210 SIXTH AVE 30TH FLOOR PITTSBURGH, PA 15222 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $843 | $3K | 7.29% |
| COURY HEALTH SERVICES LLC3 Filed as: COURY HEALTH SERVICES INC. | 965 GREENTREE RD, SUITE 310 PITTSBURGH, PA 15220 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $288 | $3K | 8.97% |
| COURY HEALTH SERVICES LLC3 Filed as: COURY HEALTH SERVICES INC. | 301 GRANT ST., STE 300 PITTSBURGH, PA 15219 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| COURY HEALTH SERVICES LLC3 Filed as: COURY HEALTH SERVICES INC. | 301 GRANT ST., STE 300 PITTSBURGH, PA 15219 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $593 | — | $593 | 10.00% |
| COURY HEALTH SERVICES LLC3 Filed as: COURY HEALTH SERVICES INC. | 301 GRANT ST., STE 300 PITTSBURGH, PA 15219 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $450 | — | $450 | 10.01% |
| COURY HEALTH SERVICES LLC3 Filed as: COURY HEALTH SERVICES INC. | 965 GREENTREE RD, SUITE 310 PITTSBURGH, PA 15220 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $621 | $31 | $652 | 15.75% |
| COURY HEALTH SERVICES LLC3 Filed as: COURY HEALTH SERVICES INC. | 301 GRANT ST., STE 300 PITTSBURGH, PA 15219 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $225 | — | $225 | 10.01% |
| COURY HEALTH SERVICES LLC3 Filed as: COURY HEALTH SERVICES INC. | 965 GREENTREE RD, SUITE 310 PITTSBURGH, PA 15220 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $20 | — | $20 | 2.00% |
| BENEFIT ADVISORS NETWORK LLC3 Filed as: BENEFIT ADVISORS NETWORK | 6830 COCHRAN RD SOLON, OH 44139 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $12 | $12 | 1.20% |
| THE H D H GROUP INC.3 | 600 GRANT ST. STE. 1100 PITTSBURGH, PA 15219 | COMMUNITY INSURANCE COMPANY, DBA ANTHEM BLUE CROSS AND BLUE SHIELD | $28K | — | $28K | — |
| COMMUNITY INSURANCE COMPANY3 | 4361 IRWIN SIMPSON ROAD MASON, OH 45040 | COMMUNITY INSURANCE COMPANY, DBA ANTHEM BLUE CROSS AND BLUE SHIELD | $18K | — | $18K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMMUNITY INSURANCE COMPANY EIN 31-1440175 | Float revenue; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Other services Service code 12 | 4361 IRWIN SIMPSON ROAD MASON, OH 45040 | $96K |
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 | 116 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | COMMUNITY INSURANCE COMPANY, DBA ANTHEM BLUE CROSS AND BLUE SHIELD | 0 | $0 |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 213 | $45K |
| Life insurance(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 121 | $49K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 120 | $74K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 119 | $77K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 116 | $282K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 213 | — |
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.