| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 965 GREENTREE RD, STE 110 PITTSBURGH, PA 15220 | GUARDIAN | $6K | $12K | $18K | 15.88% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP PITTSBURGH | — | AMERITAS LIFE INSURANCE CORP. | $4K | $0 | $4K | 15.89% |
| DAVID W CHAMPE3 | 196 INDUSTRIAL PARK DR EBENSBURG, PA 15931 | AMERITAS LIFE INSURANCE CORP. | $3K | $0 | $3K | 12.75% |
| RICHARD D BRYER3 Filed as: RICHARD J LUBECKI | 4764 ST ROUTE 30 EAST SUITE 120 GREENSBURG, PA 15601 | AMERITAS LIFE INSURANCE CORP. | $3K | $0 | $3K | 11.35% |
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 | 130 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 28 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 158 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 135 | $114K |
| Vision | GUARDIAN | 135 | $114K |
| Life insurance | GUARDIAN | 135 | $114K |
| Long-term disability(2 contracts, 2 carriers) | GUARDIAN | 135 | $140K |
| Stop-loss / reinsurancereinsurance | BERKLEY LIFE AND HEALTH INSURANCE COMPANY | 79 | $323K |
| Other | GUARDIAN | 135 | $114K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 135 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.