| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COURY HEALTH SERVICES LLC3 | 301 GRANT STREET, SUITE 300 PITTSBURGH, PA 15219 | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | $15K | — | $15K | 17.23% |
| HENDERSON BROTHERS, INC.3 | 920 FORT DUQUESNE BLVD PITTSBURGH, PA 15222 | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | — | $34 | $34 | 0.04% |
| COURY HEALTH SERVICES LLC3 | 301 GRANT STREET, SUITE 300 PITTSBURGH, PA 15219 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $650 | $6K | 18.89% |
| COURY HEALTH SERVICES LLC3 | 301 GRANT STREET, SUITE 300 PITTSBURGH, PA 15219 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $576 | $5K | 17.79% |
| COURY HEALTH SERVICES LLC3 | 301 GRANT STREET, SUITE 300 PITTSBURGH, PA 15219 | VISION BENEFITS OF AMERICA | $1K | — | $1K | 5.00% |
| COURY HEALTH SERVICES LLC3 | 301 GRANT STREET, SUITE 300 PITTSBURGH, PA 15219 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $735 | $106 | $841 | 15.71% |
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 | 210 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 211 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | 362 | $85K |
| Vision | VISION BENEFITS OF AMERICA | 160 | $20K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 184 | $5K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 80 | $29K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 184 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 362 | — |
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."
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.