| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COURY HEALTH SERVICES LLC3 | 965 GREENTREE ROAD SUITE 310 PITTSBURGH, PA 15220 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $195 | $4K | 13.26% |
| FIRST NATIONAL INSURANCE AGENCY3 | 1 NORTHSHORE SUITE 405 12 FEDERAL STREET PITTSBURGH, PA 15212 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $710 | — | $710 | 2.29% |
| COURY HEALTH SERVICES LLC3 | 965 GREENTREE ROAD SUITE 310 PITTSBURGH, PA 15220 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $185 | $4K | 13.20% |
| FIRST NATIONAL INSURANCE AGENCY3 | 1 NORTHSHORE SUITE 405 12 FEDERAL STREET PITTSBURGH, PA 15212 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $661 | — | $661 | 2.25% |
| COURY HEALTH SERVICES LLC3 | 965 GREENTREE ROAD SUITE 310 PITTSBURGH, PA 15220 | VISION BENEFITS OF AMERICA | $871 | — | $871 | 4.61% |
| FIRST NATIONAL INSURANCE AGENCY3 Filed as: FIRST NATIONAL INSURANCE AGENCY,LLC | 12 FEDERAL STREET PITTSBURGH, PA 15212 | VISION BENEFITS OF AMERICA | $74 | — | $74 | 0.39% |
| COURY HEALTH SERVICES LLC3 | 965 GREENTREE ROAD SUITE 310 PITTSBURGH, PA 15220 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $377 | $28 | $405 | 9.07% |
| FIRST NATIONAL INSURANCE AGENCY3 | 1 NORTHSHORE SUITE 405 12 FEDERAL STREET PITTSBURGH, PA 15212 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $69 | — | $69 | 1.55% |
| COURY HEALTH SERVICES LLC3 Filed as: COURY HEALTH SERVICES INC. | ONE OXFORD CENTRE 301 GRANT STREET, SUITE 300 PITTSBURGH, PA 15220 | UNITED CONCORDIA COMPANIES, INC. | $8K | — | $8K | — |
| FIRST NATIONAL INSURANCE AGENCY3 Filed as: FIRST NATIONAL INSURANCE AGENCY,LLC | 100 FEDERAL STREET PITTSBURGH, PA 15215 | UNITED CONCORDIA COMPANIES, INC. | $752 | $31 | $783 | — |
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 | 176 | 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) | 176 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA COMPANIES, INC. | 342 | $0 |
| Vision | VISION BENEFITS OF AMERICA | 150 | $19K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 176 | $4K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 74 | $31K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 176 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 342 | — |
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.