| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COURY HEALTH SERVICES LLC3 Filed as: COURY HEALTH SERVICES INC. | ONE OXFORD CENTER #300 301 GRANT STREET PITTSBURGH, PA 15219 | AETNA LIFE INSURANCE COMPANY | $57K | — | $57K | 3.08% |
| COURY HEALTH SERVICES LLC3 Filed as: COURY HEALTH SERVICES, LLC | 965 GREENTREE ROAD SUITE 310 PITTSBURGH, PA 15220 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $27K | $1K | $29K | 15.01% |
| COURY HEALTH SERVICES LLC3 Filed as: COURY HEALTH SERVICES INC. | ONE OXFORD CENTRE #300 301 GRANT STREET PITTSBURGH, PA 15219 | UNITED CONCORDIA INSURANCE COMPANY | $704 | — | $704 | 2.00% |
| COURY HEALTH SERVICES LLC3 Filed as: COURY HEALTH SERVICES, LLC | 965 GREENTREE ROAD SUITE 310 PITTSBURGH, PA 15220 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $189 | $4K | 14.57% |
| COURY HEALTH SERVICES LLC3 Filed as: COURY HEALTH SERVICES, INC. | ONE OXFORD CENTRE #300 301 GRANT STREET PITTSBURGH, PA 15219 | UNITED CONCORDIA DENTAL PLANS OF PENNSYLVANIA | $307 | — | $307 | 2.00% |
| COURY HEALTH SERVICES LLC3 Filed as: COURY HEALTH SERVICES, LLC | 965 GREENTREE RD STE 310 PITTSBURGH, PA 15220 | VISION BENEFITS OF AMERICA | $694 | — | $694 | 5.00% |
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 | 282 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 282 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 288 | $1.9M |
| Dental(2 contracts, 2 carriers) | UNITED CONCORDIA INSURANCE COMPANY | 130 | $51K |
| Vision | VISION BENEFITS OF AMERICA | 88 | $14K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 127 | $218K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 127 | $191K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 127 | $218K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 288 | — |
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.