| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COURY HEALTH SERVICES LLC3 Filed as: COURY HEALTH SERVICES INC | 965 GREENTREE ROAD, SUITE 310 PITTSBURGH, PA 15220 | UNITED CONCORDIA INSURANCE COMPANY | $4K | $185 | $4K | 11.29% |
| COURY HEALTH SERVICES LLC3 | 965 GREENTREE RD STE 310 PITTSBURGH, PA 15220 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 9.22% |
| COURY HEALTH SERVICES LLC3 | 965 GREENTREE RD STE 310 PITTSBURGH, PA 15220 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 9.26% |
| COURY HEALTH SERVICES LLC3 Filed as: COURY HEALTH SERVICES, LLC | 965 GREENTREE ROAD, SUITE 310 PITTSBURGH, PA 15220 | EYEMED VISION CARE | $776 | $0 | $776 | 10.00% |
| COURY HEALTH SERVICES LLC3 | 965 GREENTREE RD STE 310 PITTSBURGH, PA 15220 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $229 | $0 | $229 | 9.21% |
| BRYER INSURANCE SERVICES, INC.3 Filed as: BRYER INSURANCE SERVICES INC | 2135 RIDGE ROAD GREENSBURG, PA 15601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $66 | $0 | $66 | 3.61% |
| COURY HEALTH SERVICES LLC3 | 330 GRANT ST STE 1320 PITTSBURGH, PA 15219 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $31 | $0 | $31 | 1.69% |
| RDM ENROLLMENT SOLUTIONS LLC3 | 308 WARRENDALE RD WEXFORD, PA 15090 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | $0 | $10 | 0.55% |
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 | 78 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 79 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 155 | $37K |
| Vision | EYEMED VISION CARE | 153 | $8K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $20K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $21K |
| Other(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 4 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 155 | — |
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.