| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROKERAGE CONCEPTS INC3 Filed as: BROKERAGE CONCEPTS, INC. | 512 TOWNSHIP LINE ROAD BLUE BELL, PA 19422 | BERKLEY LIFE & HEALTH INSURANCE COMPANY | — | — | $0 | 0.00% |
| COURY HEALTH SERVICES LLC3 | 301 GRANT ST STE 300 PITTSBURGH, PA 15219 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | — | $11K | 9.46% |
| COURY HEALTH SERVICES LLC3 | 301 GRANT ST STE 300 PITTSBURGH, PA 15219 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $7K | $7K | 6.47% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $4K | $4K | 3.24% |
| COURY HEALTH SERVICES LLC3 | 965 GREENTREE ROAD, SUITE 310 PITTSBURGH, PA 15220 | VISION BENEFITS OF AMERICA | $834 | — | $834 | 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 | 318 | 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) | 318 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 203 | $86K |
| Vision | VISION BENEFITS OF AMERICA | 216 | $28K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 318 | $111K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 318 | $111K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 318 | $111K |
| Stop-loss / reinsurancereinsurance | BERKLEY LIFE & HEALTH INSURANCE COMPANY | 254 | $323K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 318 | — |
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.