| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SIMPSON MCCRADY BENEFITS LLC3 | 330 GRANT STREET SUITE 1320 PITTSBURGH, PA 15219 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $18K | $875 | $18K | 11.81% |
| COURY HEALTH SERVICES LLC4 Filed as: COURY HEALTH SERVICES INC | 301 GRANT STREET, SUITE 300 PITTSBURGH, PA 15219 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $292 | $6K | 3.94% |
| SIMPSON MCCRADY BENEFITS LLC3 | 330 GRANT STREET SUITE 1320 PITTSBURGH, PA 15219 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $115 | $2K | 11.82% |
| COURY HEALTH SERVICES LLC3 Filed as: COURY HEALTH SERVICES INC | 301 GRANT STREET, SUITE 300 PITTSBURGH, PA 15219 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $765 | $38 | $803 | 3.94% |
| SIMPSON MCCRADY BENEFITS LLC3 | 330 GRANT STREET SUITE 1320 PITTSBURGH, PA 15219 | UNITED CONCORDIA DENTAL PLANS OF PENNSYLVANIA, INC | $272 | — | $272 | 1.45% |
| COURY HEALTH SERVICES LLC Filed as: COURY HEALTH SERVICES INC | 301 GRANT STREET, SUITE 300 PITTSBURGH, PA 15219 | UNITED CONCORDIA DENTAL PLANS OF PENNSYLVANIA, INC | $93 | — | $93 | 0.50% |
| SIMPSON MCCRADY BENEFITS LLC3 | 330 GRANT STREET SUITE 1320 PITTSBURGH, PA 15219 | VISION BENEFITS OF AMERICA | $482 | — | $482 | 3.75% |
| COURY HEALTH SERVICES LLC4 Filed as: COURY HEALTH SERVICES INC | 301 GRANT STREET, SUITE 300 PITTSBURGH, PA 15219 | VISION BENEFITS OF AMERICA | $161 | — | $161 | 1.25% |
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 | 304 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 304 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 304 | $1.7M |
| Dental | UNITED CONCORDIA DENTAL PLANS OF PENNSYLVANIA, INC | 99 | $19K |
| Vision | VISION BENEFITS OF AMERICA | 87 | $13K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 123 | $176K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 123 | $156K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 123 | $176K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 304 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.