| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 4550 LENA DRIVE MECHANICSBURG, PA 17050 | HIGHMARK, INC. | $46K | — | $46K | 3.90% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC DBA ARMS INS GROUP | 965 GREENTREE RD STE 110 PITTSBURGH, PA 15220 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | $812 | $5K | 5.98% |
| COURY HEALTH SERVICES LLC3 | 965 GREENTREE RD STE 310 PITTSBURGH, PA 15220 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | — | $4K | 4.54% |
| COURY HEALTH SERVICES LLC3 | 965 GREENTREE RD STE 310 PITTSBURGH, PA 15220 | VISION BENEFITS OF AMERICA | $611 | — | $611 | 5.00% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | COURY HEALTH SERVICES LLC 965 GREENTREE RD STE 310 PITTSBURGH, PA 15220 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $759 | $475 | $1K | 16.26% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $237 | $237 | 3.12% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | COURY HEALTH SERVICES LLC 965 GREENTREE RD STE 310 PITTSBURGH, PA 15220 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $957 | $398 | $1K | 21.24% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $199 | $199 | 3.12% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | COURY HEALTH SERVICES LLC 965 GREENTREE RD STE 310 PITTSBURGH, PA 15220 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $575 | $353 | $928 | 16.14% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $172 | $172 | 2.99% |
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 | 159 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 164 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK, INC. | 267 | $1.2M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 211 | $84K |
| Vision | VISION BENEFITS OF AMERICA | 134 | $12K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 29 | $6K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 29 | $8K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 29 | $6K |
| Prescription drug | HIGHMARK, INC. | 267 | $1.2M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 29 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 267 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.