| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC EMPLOYEE BENEFIT SVCS | 600 WATERFRONT DRIVE SUITE 225 PITTSBURGH, PA 15222 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 3.40% |
| COURY HEALTH SERVICES LLC3 Filed as: COURY HEALTH SERVICES | ONE OXFORD COURT, SUITE 300 301 GRANT STREET PITTSBURGH, PA 15219 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 1.60% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC EMPLOYEE BEN SVCS | 600 WATERFRONT DRIVE SUITE 225 PITTSBURGH, PA 15222 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $2K | $4K | 11.49% |
| COURY HEALTH SERVICES LLC3 | 301 GRANT STREET, SUITE 300 PITTSBURGH, PA 152196401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 3.20% |
| BENEFIT 1 INC3 Filed as: BENEFIT 1 INC. | 1513 AMBER LANE GUNTERSVILLE, AL 35976 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $318 | $318 | 0.89% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC EMPLOYEE BEN SVCS | 600 WATERFRONT DRIVE SUITE 225 PITTSBURGH, PA 15222 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $4K | 15.53% |
| COURY HEALTH SERVICES LLC3 | 301 GRANT STREET, SUITE 300 PITTSBURGH, PA 152196401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 4.92% |
| BENEFIT 1 INC3 Filed as: BENEFIT 1 INC. | 1513 AMBER LANE GUNTERSVILLE, AL 35976 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $242 | $242 | 0.91% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC EMPLOYEE BEN SVCS | 600 WATERFRONT DRIVE SUITE 225 PITTSBURGH, PA 15222 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $930 | $732 | $2K | 12.15% |
| COURY HEALTH SERVICES LLC3 Filed as: COURY HEALTH SERVICES, LLC | 301 GRANT STREET, SUITE 300 PITTSBURGH, PA 152196401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $438 | — | $438 | 3.20% |
| BENEFIT 1 INC3 Filed as: BENEFIT 1 INC. | 1513 AMBER LANE GUNTERSVILLE, AL 35976 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $117 | $117 | 0.86% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC EMPLOYEE BENEFIT SVCS | 600 WATERFRONT DRIVE SUITE 225 PITTSBURGH, PA 15222 | HIGHMARK, INC. | $282 | — | $282 | 2.16% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 4550 LENA DRIVE MECHANICSBURG, PA 17050 | HIGHMARK, INC. | $276 | — | $276 | 2.12% |
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 | 126 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 128 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 107 | $70K |
| Vision | HIGHMARK, INC. | 225 | $13K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 160 | $40K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 160 | $36K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 126 | $285K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 160 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 225 | — |
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."
No prospect flags tripped on this filing.