| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC | — | HIGHMARK, INC. | $65K | $0 | $65K | 5.04% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC DBA COURY HEALTH SV | FOSTER PLAZA, BLDG 10 680 ANDERSEN PITTSBURGH, PA 15220 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $17K | $0 | $17K | 11.02% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC DBA COURY HEALTH SV | 965 GREENTREE RD STE 31 PITTSBURGH, PA 15220 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $4K | $4K | 2.42% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 3 PARKWAY NORTH BLVD STE 500 DEERFIELD, IL 60015 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $830 | $830 | 0.54% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | — | UNITED CONCORDIA INSURANCE COMPANY | $6K | $0 | $6K | 9.15% |
| COURY HEALTH SERVICES LLC3 Filed as: COURY HEALTH SERVICES, LLC | 965 GREENTREE RD SUITE 310 PITTSBURGH, PA 15220 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 10.00% |
| MY BENEFIT ADVISOR LLC3 Filed as: MY BENEFIT ADVISOR, LLC | 225 BROADHOLLOW RD STE 302 MELVILLE, NY 11747 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $99 | $0 | $99 | 8.10% |
| DUNCAN INSURANCE GROUP3 Filed as: DUNCAN INSURANCE GROUP INC | 311 MAIN ST IRWIN, PA 15642 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9 | $0 | $9 | 0.74% |
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 | 242 | 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) | 242 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK, INC. | 189 | $1.3M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 210 | $70K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 222 | $154K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 222 | $154K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 222 | $154K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 222 | $154K |
| Prescription drug | HIGHMARK, INC. | 189 | $1.3M |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 222 | $187K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 222 | — |
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.