| 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 | UPMC HEALTH OPTIONS | $9K | — | $9K | 2.00% |
| SMC INSURANCE AGENCY, INC.3 Filed as: SMC INSURANCE AGENCY INC. | 600 CRANBERRY WOODS DRIVE SUITE 190 CRANBERRY TWP, PA 16066 | UPMC HEALTH OPTIONS | $5K | — | $5K | 1.25% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC. | 965 GREENTREE ROAD SUITE 110 PITTSBURGH, PA 15220 | UPMC HEALTH OPTIONS | $3K | — | $3K | 2.02% |
| SMC INSURANCE AGENCY, INC.3 Filed as: SMC INSURANCE AGENCY INC | 600 CRANBERRY WOOD DRIVE SUITE 190 CRANBERRY TWP, PA 16066 | UPMC HEALTH OPTIONS | $1K | — | $1K | 0.92% |
| SMC INSURANCE AGENCY, INC.3 Filed as: SMC INSURANCE AGENCY INC, | 600 CRANBERRY WOOD DRIVE SUITE 190 CRANBERRY TWP, PA 16066 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 6.58% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC. | 3 PARKWAY NORTH BLVD SUITE 500 DEERFIELD, IL 600152567 | PRINCIPAL LIFE INSURANCE COMPANY | $911 | — | $911 | 2.94% |
| ARMS INSURANCE GROUP LLC3 | 965 GREENTREE ROAD P O BOX 4 PITTSBURGH, PA 152203353 | PRINCIPAL LIFE INSURANCE COMPANY | $514 | $304 | $818 | 2.64% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC. | 965 GREENTREE ROAD SUITE 110 PITTSBURGH, PA 15220 | UPMC HEALTH OPTIONS | $367 | — | $367 | 1.84% |
| SMC INSURANCE AGENCY, INC.3 Filed as: SMC INSURANCE AGENCY INC. | 600 CRANBERRY WOODS DRIVE SUITE 190 CRANBERRY TWO, PA 16066 | UPMC HEALTH OPTIONS | $138 | — | $138 | 0.69% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC. | 965 GREENTREE ROAD SUITE 110 PITTSBURGH, PA 15220 | UPMC HEALTH BENEFITS | $1K | — | $1K | 6.23% |
| SMC INSURANCE AGENCY, INC.3 Filed as: SMC INSURANCE AGENCY INC. | 600 CRANBERRY WOODS ROAD SUITE 190 CRANBERRY TWP, PA 16066 | UPMC HEALTH BENEFITS | $544 | — | $544 | 2.98% |
| SMC INSURANCE AGENCY, INC.3 Filed as: SMC INSURANCE AGENCY INC. | 600 CRANBERRY WOODS DRIVE SUITE 190 CRANBERRY TWP, PA 16066 | UPMC HEALTH OPTIONS | $339 | — | $339 | 2.36% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC. | 965 GREENTREE ROAD SUITE 110 PITTSBURGH, PA 15220 | UPMC HEALTH OPTIONS | $313 | — | $313 | 2.18% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC. | 965 GREENTREE ROAD SUITE 110 PITTSBURGH, PA 15220 | UPMC HEALTH BENEFITS | $468 | — | $468 | 6.21% |
| SMC INSURANCE AGENCY, INC.3 Filed as: SMC INSURANCE AGENCY INC. | 600 CRANBERRY WOODS DRIVE SUITE 190 CRANBERRY TWP, PA 16066 | UPMC HEALTH BENEFITS | $226 | — | $226 | 3.00% |
| SMC INSURANCE AGENCY, INC.3 Filed as: SMC INSURANCE AGENCY INC. | 600 CRANBERRY WOODS DRIVE SUITE 190 CRANBERRY TWP, PA 16066 | UPMC HEALTH OPTIONS | $105 | — | $105 | 1.71% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 965 GREENTREE ROAD SUITE 110 PITTSBURGH, PA 15220 | UPMC HEALTH OPTIONS | $88 | — | $88 | 1.44% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC. | 965 GREENTREE ROAD SUITE 110 PITTSBURGH, PA 15220 | UPMC HEALTH BENEFITS | $361 | — | $361 | 6.17% |
| SMC INSURANCE AGENCY, INC.3 Filed as: SMC INSURANCE AGENCY INC. | 600 CRANBERRY WOODS DRIVE SUITE 190 CRANBERRY TWP, PA 16066 | UPMC HEALTH BENEFITS | $187 | — | $187 | 3.19% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC. | 965 GREENTREE ROAD SUITE 110 PITTSBURGH, PA 15220 | UPMC HEALTH BENEFITS | $334 | — | $334 | 6.56% |
| SMC INSURANCE AGENCY, INC.3 Filed as: SMC INSURANCE AGENCY INC. | 600 CRANBERRY WOODS DRIVE SUITE 190 CRANBERRY WOODS, PA 16066 | UPMC HEALTH BENEFITS | $159 | — | $159 | 3.13% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC. | 965 GREENTREE ROAD SUITE 110 PITTSBURGH, PA 15220 | UPMC HEALTH BENEFITS | $67 | — | $67 | 6.27% |
| SMC INSURANCE AGENCY, INC.3 Filed as: SMC INSURANCE AGENCY INC. | 600 CRANBERRY WOODS DRIVE SUITE 190 CRANBERRY TWP, PA 16066 | UPMC HEALTH BENEFITS | $33 | — | $33 | 3.09% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC. | 965 GREENTREE ROAD SUITE 110 PITTSBURGH, PA 15220 | UPMC HEALTH BENEFITS | $33 | — | $33 | 5.04% |
| SMC INSURANCE AGENCY, INC.3 Filed as: SMC INSURANCE AGENCY INC. | 600 CRANBERRY WOODS DRIVE SUITE 190 CRANBERRY TWP, PA 16066 | UPMC HEALTH BENEFITS | $29 | — | $29 | 4.43% |
| SMC INSURANCE AGENCY, INC.3 Filed as: SMC INSURANCE AGENCY INC. | 600 CRANBERRY WOODS DRIVE SUITE 190 CRANBERRY TWP, PA 16066 | UPMC HEALTH BENEFITS | $32 | — | $32 | 6.00% |
| GCG FINANCIAL LLC7 Filed as: ALERA GROUP INC. | 965 GREENTREE ROAD SUITE 110 PITTSBURGH, PA 15220 | UPMC HEALTH BENEFITS | $25 | — | $25 | 4.69% |
| SMC INSURANCE AGENCY, INC.7 Filed as: SMC INSURANCE AGENCY INC. | 600 CRANBERRY WOODS DRIVE SUITE 190 CRANBERRY TWP, PA 16066 | UPMC HEALTH BENEFITS | $24 | — | $24 | 6.70% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC. | 965 GREENTREE ROAD SUITE 110 GREENTREE, PA 15220 | UPMC HEALTH BENEFITS | $6 | — | $6 | 1.68% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC. | 965 GREENTREE ROAD SUITE 110 PITTSBURGH, PA 15220 | UPMC HEALTH BENEFITS | $8 | — | $8 | 6.50% |
| SMC INSURANCE AGENCY, INC.3 Filed as: SMC INSURANCE AGENCY INC. | 600 CRANBERRY WOODS DRIVE SUITE 190 CRANBERRY TWP, PA 16066 | UPMC HEALTH BENEFITS | $4 | — | $4 | 3.25% |
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 | 174 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 174 | Active + retired/separated + beneficiaries. No dependents. |
No Schedule A insurance contracts on this filing — typical of fully self-funded plans, where the only headcount is the Form 5500 number above.
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.