| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC. | 965 GREENTREE ROAD SUITE 110 PITTSBURGH, PA 15220 | HIGHMARK INC. | $27K | — | $27K | 2.71% |
| COURY HEALTH SERVICES LLC3 Filed as: COURY HEALTH SERVICES | 965 GREENTREE ROAD SUITE 310 PITTSBURGH, PA 15220 | MONY LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 12.07% |
| COURY HEALTH SERVICES LLC3 | 330 GRANT STREET SUITE 1320 PITTSBURGH, PA 15219 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 8.50% |
| BRYER INSURANCE SERVICES, INC.3 Filed as: BRYER INSURANCE SERVICES INC. | 2135 RIDGE ROAD GREENSBURG, PA 15601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $41 | $2K | 7.68% |
| BARBARA BAXTER DEJOHN3 | 1154 TIDEWOOD DRIVE BETHEL PARK, PA 15102 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $936 | $131 | $1K | 4.80% |
| SARA MARIE BRYER3 | 1201 CLARIDGE ELLIOT ROAD JEANNETTE, PA 15644 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $78 | $48 | $126 | 0.57% |
| TAMMY A MORGART3 Filed as: TAMMY A. MORGART | 13347 DEAN DRIVE NORTH HUNTINGDON, PA 15642 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $95 | — | $95 | 0.43% |
| BARBARA K GROSS3 Filed as: BARBARA K. GROSS | 15 WEBER ROAD JEANNETTE, PA 15644 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $44 | — | $44 | 0.20% |
| LISA M BRYER3 Filed as: LISA M. BRYER | 2135 RIDGE ROAD GREENSBURG, PA 15601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $28 | — | $28 | 0.13% |
| TIMOTHY J SLATER3 Filed as: TIMOTHY J. SLATER | 821 WHITE OAK CIRCLE PITTSBURGH, PA 15228 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $2 | $7 | 0.03% |
| COURY HEALTH SERVICES LLC3 Filed as: COURY HEALTH SERVICES | 965 GREENTREE ROAD SUITE 310 PITTSBURGH, PA 15220 | GUARDIAN | $181 | $2K | $2K | 25.42% |
| LIFETIME FINANCIAL GROWTH3 Filed as: LIFETIME FINANCIAL GROWTH, LLC | 1910 COCHRAN ROAD, MANOR OAK TWO SUITE 800 PITTSBURGH, PA 15220 | GUARDIAN | $4 | — | $4 | 0.06% |
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 | 129 | 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) | 129 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK INC. | 162 | $1.0M |
| Dental(2 contracts, 2 carriers) | HIGHMARK INC. | 162 | $1.0M |
| Vision | HIGHMARK INC. | 162 | $1.0M |
| Life insurance | MONY LIFE INSURANCE COMPANY OF AMERICA | 129 | $58K |
| Short-term disability | MONY LIFE INSURANCE COMPANY OF AMERICA | 129 | $58K |
| Long-term disability | MONY LIFE INSURANCE COMPANY OF AMERICA | 129 | $58K |
| Prescription drug | HIGHMARK INC. | 162 | $1.0M |
| Other(2 contracts, 2 carriers) | MONY LIFE INSURANCE COMPANY OF AMERICA | 129 | $80K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 162 | — |
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.