| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COURY HEALTH SERVICES LLC3 | 965 GREENTREE RD STE 310 PITTSBURGH, PA 152196401 | METROPOLITAN LIFE INSURANCE COMPANY | $17K | $2K | $19K | 11.43% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 965 GREENTREE RD STE 110 PITTSBURGH, PA 152203353 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $0 | $5K | 2.94% |
| GCG FINANCIAL LLC3 Filed as: ALERA GENERAL AGENCY | 965 GREENTREE RD STE 110 PITTSBURGH, PA 152203353 | METROPOLITAN LIFE INSURANCE COMPANY | $942 | $0 | $942 | 0.56% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE CO | PO BOX 25360 OKLAHOMA CITY, OK 731250360 | AMERICAN FIDELITY ASSURANCE COMPANY | $2K | $0 | $2K | 4.24% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP DBA COURY HEALTH SRVCS | 965 GREEN TREE RD STE 310 PITTSBURGH, PA 15220 | AMERICAN FIDELITY ASSURANCE COMPANY | $2K | $0 | $2K | 3.74% |
| COURY HEALTH SERVICES LLC3 | 965 GREENTREE RD STE 310 PITTSBURGH, PA 15220 | VISION BENEFITS OF AMERICA | $1K | $0 | $1K | 5.02% |
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 | 425 | 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) | 425 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERICAN FIDELITY ASSURANCE COMPANY | 87 | $43K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 425 | $169K |
| Vision | VISION BENEFITS OF AMERICA | 174 | $21K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 425 | $169K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 425 | $169K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 425 | $169K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 425 | $212K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 425 | — |
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.