| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COURY HEALTH SERVICES LLC3 Filed as: COURY HEALTH SERVICES | 965 GREENTREE RD STE 310 PITTSBURGH, PA 15220 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8K | — | $8K | 17.32% |
| LEAH E. GOLDBERG3 Filed as: LEAH E GOLDBERG | 3936 N MONET COURT ALLISON PARK, PA 15101 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 7.26% |
| NICHOLETTE R MONTINI3 | 1195 WASHINGTON PIKE STE 340 BRIDGEVILLE, PA 15017 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 4.73% |
| LEAH E. GOLDBERG3 Filed as: LEAH E GOLDBERG | 202 KILCARE CT MARS, PA 16046 | CONTINENTAL AMERICAN INSURANCE COMPANY | $671 | — | $671 | 1.50% |
| DANIEL C HARRIS3 | 124 CARTERS GROVE DRIVE GIBSONIA, PA 15044 | CONTINENTAL AMERICAN INSURANCE COMPANY | $619 | — | $619 | 1.38% |
| KRISTY NEFF3 | 108 MINNOCK DRIVE MARS, PA 16046 | CONTINENTAL AMERICAN INSURANCE COMPANY | $426 | — | $426 | 0.95% |
| KIMBERLY A CARL3 | 111 TARTAN DR GREENSBURG, PA 15601 | CONTINENTAL AMERICAN INSURANCE COMPANY | $338 | — | $338 | 0.76% |
| MIRANDA R VANBRAMER3 | 13 JOSEPHINE ST FL1 PITTSBURGH, PA 15205 | CONTINENTAL AMERICAN INSURANCE COMPANY | $254 | — | $254 | 0.57% |
| ANCILLARY BENEFITS CONSULTING LLC3 | 902 1ST STREET #1 CANONSBURG, PA 15317 | CONTINENTAL AMERICAN INSURANCE COMPANY | $68 | — | $68 | 0.15% |
| COURY HEALTH SERVICES LLC3 | 965 GREENTREE RD STE 310 PITTSBURGH, PA 15219 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $623 | $4K | 12.38% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 965 GREENTREE RD STE 110 PITTSBURGH, PA 15220 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 3.46% |
| COURY HEALTH SERVICES LLC3 | 965 GREENTREE RD STE 310 PITTSBURGH, PA 15220 | VISION BENEFITS OF AMERICA | $507 | — | $507 | 7.52% |
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 | 201 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 201 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 201 | $33K |
| Vision | VISION BENEFITS OF AMERICA | 76 | $7K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 201 | $33K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 21 | $45K |
| Stop-loss / reinsurancereinsurance | BERKSHIRE HATHAWAY | 95 | $206K |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 201 | $78K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 201 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.