| 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 | UPMC HEALTH PLAN | $22K | — | $22K | 2.99% |
| COURY HEALTH SERVICES LLC3 Filed as: COURY HEALTH SERVICES | 965 GREENTREE ROAD SUITE 310 PITTSBURGH, PA 15220 | GUARDIAN | $3K | — | $3K | 6.15% |
| LIFETIME FINANCIAL GROWTH3 Filed as: LIFETIME FINANCIAL GROWTH, LLC | 1910 COCHRAN ROAD, MANOR OAK TWO SUITE 800 PITTSBURGH, PA 15220 | GUARDIAN | $51 | — | $51 | 0.12% |
| COURY HEALTH SERVICES LLC3 Filed as: COURY HEALTH SERVICES | 965 GREENTREE ROAD SUITE 310 PITTSBURGH, PA 15220 | MONY LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 12.11% |
| COURY HEALTH SERVICES LLC3 Filed as: COURY HEALTH SERVICES | 301 GRANT STREET SUITE 300 PITTSBURGH, PA 15219 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $3K | — | $3K | 13.33% |
| COURY HEALTH SERVICES LLC3 | ONE OXFORD CENTRE PITTSBURGH, PA 15219 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 6.61% |
| RICHARD D BRYER3 Filed as: RICHARD D. BRYER | 2135 RIDGE ROAD GREENSBURG, PA 15601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $18 | $1K | 6.42% |
| BARBARA BAXTER DEJOHN3 | 1154 TIDEWOOD DRIVE BETHEL PARK, PA 15102 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $331 | $15 | $346 | 1.83% |
| BARBARA K GROSS3 Filed as: BARBARA K. GROSS | 15 WEBER ROAD JEANNETTE, PA 15644 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $317 | — | $317 | 1.68% |
| TAMMY A MORGART3 Filed as: TAMMY A. MORGART | 13347 DEAN DRIVE NORTH HUNTINGDON, PA 15642 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $104 | — | $104 | 0.55% |
| TIMOTHY J SLATER3 Filed as: TIMOTHY J. SLATER | 821 WHITE OAK CIRCLE PITTSBURGH, PA 15228 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $45 | $15 | $60 | 0.32% |
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 | 104 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 104 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UPMC HEALTH PLAN | 164 | $750K |
| Dental | GUARDIAN | 81 | $41K |
| Vision | HIGHMARK INC. | 137 | $6K |
| Life insurance(2 contracts, 2 carriers) | MONY LIFE INSURANCE COMPANY OF AMERICA | 104 | $61K |
| Short-term disability | MONY LIFE INSURANCE COMPANY OF AMERICA | 104 | $41K |
| Long-term disability(2 contracts, 2 carriers) | MONY LIFE INSURANCE COMPANY OF AMERICA | 104 | $61K |
| Prescription drug | UPMC HEALTH PLAN | 164 | $750K |
| Other(3 contracts, 3 carriers) | MONY LIFE INSURANCE COMPANY OF AMERICA | 104 | $80K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 164 | — |
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.