| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COURY HEALTH SERVICES LLC3 Filed as: COURY HEALTH SERVICES | 965 GREENTREE RD STE 310 PITTSBURGH, PA 15220 | THE GUARDIAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 10.05% |
| EDWARD T WUENSCHELL3 | 4315 ERICSON RD STE 204 ELLICOTT CITY, MD 21043 | THE GUARDIAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 6.10% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 2045 YORK RD STE 200 TIMONIUM, MD 21093 | THE GUARDIAN LIFE INSURANCE COMPANY | $0 | $146 | $146 | 0.55% |
| COURY HEALTH SERVICES LLC3 | AN ALERA GROUP COMPANY 965 GREENTREE RD STE 310 PITTSBURGH, PA 15220 | VISION BENEFITS OF AMERICA | $651 | $0 | $651 | 5.29% |
| EDWARD T WUENSCHELL3 | 4315 ERICSON RD STE 204 ELLICOTT CITY, MD 21043 | VISION BENEFITS OF AMERICA | $309 | $0 | $309 | 2.51% |
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 | 118 | 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) | 118 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY | 118 | $26K |
| Vision | VISION BENEFITS OF AMERICA | 68 | $12K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY | 118 | $26K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY | 118 | $26K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY | 118 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 118 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.