| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: CHS ALERA GROUP | 965 GREENTREE ROAD, SUITE 310 PITTSBURGH, PA 15220 | UPMC HEALTH BENEFITS | — | — | $0 | 0.00% |
| COURY HEALTH SERVICES LLC3 | 301 GRANT ST STE 300 PITTSBURGH, PA 15219 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | — | $11K | 9.53% |
| COURY HEALTH SERVICES LLC3 | 301 GRANT ST STE 300 PITTSBURGH, PA 15219 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $6K | $6K | 5.46% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 2.73% |
| COURY HEALTH SERVICES LLC3 | 965 GREENTREE ROAD, SUITE 310 PITTSBURGH, PA 15220 | VISION BENEFITS OF AMERICA | $888 | — | $888 | 3.00% |
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 | 327 | 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) | 327 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 225 | $95K |
| Vision | VISION BENEFITS OF AMERICA | 241 | $30K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 327 | $116K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 327 | $116K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 327 | $116K |
| Stop-loss / reinsurancereinsurance | UPMC HEALTH BENEFITS | 468 | $171K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 468 | — |
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.