| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COURY HEALTH SERVICES LLC3 Filed as: COURY HEALTH SERVICES, INC. | ONE OXFORD CENTRE #300 301 GRANT STREET PITTSBURGH, PA 15219 | AETNA LIFE INSURANCE COMPANY | $33K | $27 | $33K | 2.78% |
| LEAH E MELLAY3 | 3936 N MONET CT ALLISON PARK, PA 15101 | AFLAC | $4K | $129 | $4K | 11.05% |
| COURY HEALTH SERVICES LLC3 | 330 GRANT STREET STE. 1320 PITTSBURGH, PA 15219 | AFLAC | $3K | — | $3K | 7.03% |
| SIMPSON MCCRADY BENEFITS LLC3 | 330 GRANT STREET STE. 1320 PITTSBURGH, PA 15219 | AFLAC | $791 | — | $791 | 2.09% |
| JACQUELINE G KINDERMAN3 Filed as: JACQUELINE G. KINDERMAN | 1260 TREASURE LK DU BOIS, PA 15801 | AFLAC | $634 | $45 | $679 | 1.79% |
| ANDREW MORRIS MARCUS3 | 504 S MAIN STREET ZELIENOPLE, PA 16063 | AFLAC | $408 | $8 | $416 | 1.10% |
| MATTHEW MCCLAY3 | 1086 MANSFIELD AVE INDIANA, PA 15701 | AFLAC | $359 | — | $359 | 0.95% |
| BILLY M CRAIN3 | 1026 RHODES LANE BROOKVILLE, PA 15825 | AFLAC | $279 | $31 | $310 | 0.82% |
| KELLY M FERUT3 | 323 TREASURE LK DU BOIS, PA 15801 | AFLAC | $281 | $14 | $295 | 0.78% |
| PATRICK PREISEL3 Filed as: PATRICK J PREISEL | 806 YOUNG STREET NEW CASTLE, PA 16101 | AFLAC | $250 | — | $250 | 0.66% |
| RHIA ANTOINET HAYES3 | 504 S. MAIN STREET ZELIENOPLE, PA 16063 | AFLAC | $83 | — | $83 | 0.22% |
| MARIO HAIFA3 | 216 WARWICK DRIVE PITTSBURGH, PA 15241 | AFLAC | $61 | — | $61 | 0.16% |
| AMANDA STEIN3 | 1277 RHODES LANE BROOKVILLE, PA 15825 | AFLAC | $43 | — | $43 | 0.11% |
| CANDACE D PARSON3 | 550 TAYLOR STREET BROOKVILLE, PA 15825 | AFLAC | $22 | — | $22 | 0.06% |
| MARILYN WYMAN3 | 4276 STONE CREEK DRIVE ERIE, PA 16506 | AFLAC | $22 | — | $22 | 0.06% |
| DAVID WILSON HOLTZ3 | 552 WINTERS ROAD BROOKVILLE, PA 15825 | AFLAC | $18 | — | $18 | 0.05% |
| JOY GRUBE PADGELEK3 | 1195 WASHINGTON PIKE STE. 300 BRIDGEVILLE, PA 15017 | AFLAC | $12 | — | $12 | 0.03% |
| BRIAN W PATTEN3 Filed as: BRIAN W. PATTEN | 120 MARGUERITE DRIVE STE. 101 CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $10 | — | $10 | 0.03% |
| TIMOTHY R QUINLAN3 Filed as: TIMOTHY R. QUINLAN | 137 SEMICONON LANE RENFREW, PA 16053 | AFLAC | $3 | — | $3 | 0.01% |
| COURY HEALTH SERVICES LLC3 Filed as: COURY HEALTH SERVICES, LLC | 965 GREENTREE RD. STE. 310 PITTSBURGH, PA 15220 | EYEMED VISION CARE | $1K | — | $1K | 9.16% |
| COURY HEALTH SERVICES LLC3 Filed as: COURY HEALTH SERVICES, LLC | 965 GREENTREE RD. STE 310 PITTSBURGH, PA 15220 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $516 | $26 | $542 | 15.76% |
| COURY HEALTH SERVICES LLC3 Filed as: COURY HEALTH SERVICES, LLC | 965 GREENTREE RD. SUITE 310 PITTSBURGH, PA 15220 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $276 | $21 | $297 | 10.75% |
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 | 226 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 226 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 150 | $1.2M |
| Dental | AETNA LIFE INSURANCE COMPANY | 150 | $1.2M |
| Vision | EYEMED VISION CARE | 150 | $11K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 226 | $6K |
| Short-term disability | AFLAC | 89 | $38K |
| Other(3 contracts, 2 carriers) | AFLAC | 226 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 226 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.