| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COURY HEALTH SERVICES LLC3 | 680 ANDERSEN DR STE 615 PITTSBURGH, PA 152202759 | UNITEDHEALTHCARE INSURANCE COMPANY | -$15 | $46K | $46K | 4.65% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP MECHANICSBURG | 4550 LENA DR MECHANICSBURG, PA 170554922 | UNITEDHEALTHCARE INSURANCE COMPANY | $19K | $0 | $19K | 1.87% |
| COURY HEALTH SERVICES LLC3 | 680 ANDERSEN DR STE 1 PITTSBURGH, PA 152202756 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 5.12% |
| GCG FINANCIAL LLC3 Filed as: ALERA GENERAL AGENCY INSURANCE SERV | 680 ANDERSEN DR STE 615 PITTSBURGH, PA 152202759 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 5.05% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC DBA ARMS | 965 GREENTREE RD STE 110 PITTSBURGH, PA 152203353 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $878 | $878 | 1.37% |
| COURY HEALTH SERVICES LLC3 | 680 ANDERSEN DRIVE, STE615 PITTSBURGH, PA 15220 | VISION BENEFITS OF AMERICA | $455 | $0 | $455 | 5.00% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC DBA COURY HEALTH SV | FOSTER PLAZA, BLDG 10 680 ANDERSEN DR STE 615 PITTSBURGH, PA 15220 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $578 | $0 | $578 | 10.00% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC DBA COURY HEALTH SV | 965 GREENTREE RD STE 310 PITTSBURGH, PA 15220 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $411 | $411 | 7.11% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 3 PARKWAY NORTH BLVD STE 500 DEERFIELD, IL 60015 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $59 | $59 | 1.02% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC DBA COURY HEALTH SV | FOSTER PLAZA, BLDG 10 680 ANDERSEN DR STE 615 PITTSBURGH, PA 15220 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $557 | $0 | $557 | 10.01% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC DBA COURY HEALTH SV | 965 GREENTREE RD STE 310 PITTSBURGH, PA 15220 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $347 | $347 | 6.23% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC | 3 PARKWAY NORTH BLVD STE 300 DEERFIELD, IL 60015 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $50 | $50 | 0.90% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC DBA COURY HEALTH SV | FOSTER PLAZA, BLDG 10 680 ANDERSEN DR STE 615 PITTSBURGH, PA 15220 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $732 | $0 | $732 | 15.00% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC DBA COURY HEALTH SV | 965 GREENTREE RD STE 310 PITTSBURGH, PA 15220 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $347 | $347 | 7.11% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY NORTH BLVD STE 500 DEERFIELD, IL 60015 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $50 | $50 | 1.02% |
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 | 124 | 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) | 124 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 124 | $995K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 207 | $64K |
| Vision | VISION BENEFITS OF AMERICA | 97 | $9K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 23 | $6K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 23 | $6K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 23 | $5K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 23 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 207 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.