| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COURY HEALTH SERVICES LLC3 | 965 GREENTREE RD STE 310 PITTSBURGH, PA 152203353 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | $42K | $45K | 3.20% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP-PITTSBURG | 965 GREENTREE RD STE 110 PITTSBURGH, PA 152203353 | UNITEDHEALTHCARE INSURANCE COMPANY | $23K | $4K | $27K | 1.93% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 795 E LANCASTER AVE # 210 VILLANOVA, PA 19085 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $26K | $26K | 1.85% |
| COURY HEALTH SERVICES LLC3 | 965 GREENTREE RD STE 310 PITTSBURGH, PW 152203353 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 4.74% |
| GCG FINANCIAL LLC3 Filed as: ALERA GENERAL AGENCY INSURANCE | 4550 LENA DR ECHANICSBURG, PW 170554922 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 2.61% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC DBA ARMS | 965 GREENTREE RD STE 110 PITTSBURGH, PW 152203353 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 2.42% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC | 3 PARKWAY NORTH BLVD STE 300 DEERFIELD, IL 600152565 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 2.09% |
| COURY HEALTH SERVICES LLC3 | 965 GREENTREE RD SUITE 310 PITTSBURGH, PA 15220 | VISION BENEFITS OF AMERICA | $541 | $0 | $541 | 5.00% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 965 GREENTREE RD SUITE 310 PITTSBURGH, PA 15220 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $583 | $0 | $583 | 10.01% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 965 GREENTREE RD SUITE 310 PITTSBURGH, PA 15220 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $409 | $409 | 7.02% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK EAST DR STE 350 BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $205 | $205 | 3.52% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 965 GREENTREE RD SUITE 310 PITTSBURGH, PA 15220 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $498 | $0 | $498 | 10.01% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 965 GREENTREE RD SUITE 310 PITTSBURGH, PA 15220 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $321 | $321 | 6.45% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK EAST DR STE 350 BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $160 | $160 | 3.22% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 965 GREENTREE RD SUITE 310 PITTSBURGH, PA 15220 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $738 | $0 | $738 | 14.99% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 965 GREENTREE RD SUITE 310 PITTSBURGH, PA 15520 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $347 | $347 | 7.05% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK EAST DR STE 350 BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $173 | $173 | 3.51% |
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 | 127 | 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) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 232 | $1.4M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 228 | $71K |
| Vision | VISION BENEFITS OF AMERICA | 117 | $11K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 24 | $5K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 24 | $6K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 24 | $5K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 24 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 232 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.