| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 965 GREENTREE RD, STE 310 PITTSBURGH, PA 15220 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $6K | $11K | 11.29% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK EAST DRIVE, STE 350 BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 3.01% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 965 GREENTREE RD, STE 310 PITTSBURGH, PA 15220 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $3K | $7K | 13.34% |
| NATIONAL BENEFIT CENTER3 | 3 PARKWAY NORTH BLVD, STE 500 BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 2.63% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 965 GREENTREE RD, STE 310 PITTSBURGH, PA 15220 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $3K | $8K | 31.95% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK EAST DRIVE, STE 350 BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $841 | $841 | 3.48% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 965 GREENTREE RD, STE 310 PITTSBURGH, PA 15220 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $5K | 21.03% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $699 | $699 | 3.01% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 965 GREENTREE RD, STE 310 PITTSBURGH, PA 15220 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $4K | 19.53% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK EAST DRIVE, STE 350 BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $672 | $672 | 3.06% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 965 GREENTREE RD, STE 310 PITTSBURGH, PA 15220 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $4K | 22.83% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $665 | $665 | 3.91% |
| BRYER INSURANCE SERVICES, INC.3 Filed as: BRYER INSURANCE SERVICES INC | 2135 RIDGE RD GREENSBURG, PA 15601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $419 | — | $419 | 6.66% |
| COURY HEALTH SERVICES LLC3 | 330 GRANT ST, STE 1320 PITTSBURGH, PA 15219 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $173 | — | $173 | 2.75% |
| TAMMY A MORGART3 | 13347 DEAN DR NORTH HUNTINGTON, PA 15642 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $156 | — | $156 | 2.48% |
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 | 3,360 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,376 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 679 | $209K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 677 | $57K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 3,007 | $98K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 12 | $6K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 63 | $22K |
| Other(5 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 3,007 | $217K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,007 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.