| 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 | BERKELY LIFE & HEALTH INSURANCE COMPANY | — | — | $0 | 0.00% |
| COURY HEALTH SERVICES LLC3 | 965 GREENTREE RD, STE 310 PITTSBURGH, PA 15220 | RELIANCE STANDARD | $9K | — | $9K | 9.96% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC. | 3 PARKWAY NORTH, SUITE 500 DEERFIELD, IL 60015 | RELIANCE STANDARD | $5K | — | $5K | 5.00% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD | — | $511 | $511 | 0.57% |
| COURY HEALTH SERVICES LLC3 | 965 GREENTREE ROAD, SUITE 310 PITTSBURGH, PA 15220 | VISION BENEFITS OF AMERICA | $779 | — | $779 | 3.00% |
| ANDREA STEARNS3 | 2310 LONGCREST AVE BETHEL PARK, PA 151022126 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $7K | $5 | $7K | — |
| ROMAN A. MATUSZ3 | 6 PPG PLACE, STE 600 PITTSBURGH, PA 15222 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $2K | $1K | $4K | — |
| COURY HEALTH SERVICES LLC3 Filed as: COURY HEALTH SERVICES, LLC | 965 GREENTREE RD, STE 310 PITTSBURGH, PA 15220 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $2K | — | $2K | — |
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 | 305 | 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) | 305 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | RELIANCE STANDARD | 462 | $66K |
| Vision | VISION BENEFITS OF AMERICA | 214 | $26K |
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD | 305 | $90K |
| Short-term disability | RELIANCE STANDARD | 305 | $90K |
| Long-term disability | RELIANCE STANDARD | 305 | $90K |
| Stop-loss / reinsurancereinsurance | BERKELY LIFE & HEALTH INSURANCE COMPANY | 244 | $297K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 462 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.