| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COURY HEALTH SERVICES LLC3 Filed as: COURY HEALTH SERVICES INC | ONE OXFORD CENTRE #300 PITTSBURGH, PA 15219 | AETNA LIFE INSURANCE COMPANY | $58K | — | $58K | 3.09% |
| COURY HEALTH SERVICES LLC3 Filed as: COURY HEALTH SERVICES, LLC | 965 GREENTREE ROAD SUITE 310 PITTSBURGH, PA 15220 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $24K | $1K | $25K | 17.38% |
| COURY HEALTH SERVICES LLC3 Filed as: COURY HEALTH SERVICES INC. | ONE OXFORD CENTRE #300 301 GRANT STREET PITTSBURGH, PA 15219 | UNITED CONCORDIA INSURANCE COMPANY | $699 | — | $699 | 1.93% |
| COURY HEALTH SERVICES LLC3 Filed as: COURY HEALTH SERVICES, LLC | 965 GREENTREE ROAD SUITE 310 PITTSBURGH, PA 15220 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $160 | $3K | 17.40% |
| 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 | $245 | — | $245 | 1.84% |
| COURY HEALTH SERVICES LLC3 Filed as: COURY HEALTH SERVICES, LLC | 965 GREENTREE RD STE 310 PITTSBURGH, PA 15220 | VISION BENEFITS OF AMERICA | $656 | — | $656 | 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 | 265 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 265 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 265 | $1.9M |
| Dental(2 contracts, 2 carriers) | UNITED CONCORDIA INSURANCE COMPANY | 135 | $50K |
| Vision | VISION BENEFITS OF AMERICA | 80 | $13K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 118 | $161K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 118 | $142K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 118 | $161K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 265 | — |
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.