| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COURY HEALTH SERVICES LLC3 | 965 GREENTREE RD STE 310 PITTSBURGH, PA 15219 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $2K | $6K | 13.21% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 965 GREENTREE RD STE 110 PITTSBURGH, PA 15220 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $34 | $1K | 3.31% |
| COURY HEALTH SERVICES LLC3 Filed as: COURY HEALTH SERVICES | 965 GREENTREE RD STE 310 PITTSBURGH, PA 15220 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9K | — | $9K | 26.70% |
| LEAH E. GOLDBERG3 Filed as: LEAH E GOLDBERG | 3936 N MONET COURT ALLISON PARK, PA 15101 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 13.43% |
| NICHOLETTE R MONTINI3 | 1195 WASHINGTON PIKE STE 340 BRIDGEVILLE, PA 15017 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 6.47% |
| DANIEL C HARRIS3 | 124 CARTERS GROVE DRIVE GIBSONIA, PA 15044 | CONTINENTAL AMERICAN INSURANCE COMPANY | $780 | — | $780 | 2.31% |
| LEAH E. GOLDBERG3 Filed as: LEAH E GOLDBERG | 202 KILCARE CT MARS, PA 16046 | CONTINENTAL AMERICAN INSURANCE COMPANY | $774 | — | $774 | 2.29% |
| KRISTY NEFF3 | 108 MINNOCK DRIVE MARS, PA 16046 | CONTINENTAL AMERICAN INSURANCE COMPANY | $751 | — | $751 | 2.22% |
| COURY HEALTH SERVICES LLC3 Filed as: COURY HEALTH SERVICES, LLC | 965 GREENTREE RD. STE. 310 PITTSBURGH, PA 15220 | EYEMED VISION CARE | $918 | — | $918 | 10.85% |
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 | 253 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 253 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 253 | $42K |
| Vision | EYEMED VISION CARE | 111 | $8K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 253 | $42K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 30 | $34K |
| Stop-loss / reinsurancereinsurance | HCC LIFE | 105 | $222K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 253 | $76K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 253 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.