| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC DBA ARMS INSURANCE | 965 GREENTREE ROAD SUITE 110 PITTSBURGH, PA 15220 | UPMC HEALTH OPTIONS | $8K | — | $8K | 2.20% |
| EMERSON REID LLC3 Filed as: EMMERSON REID & CO | 600 CRANBERRY WOODS DRIVE SUITE 190 CRANBERRY TWP, PA 16066 | UPMC HEALTH OPTIONS | $3K | — | $3K | 0.79% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC. | 965 GREENTREE ROAD SUITE 110 PITTSBURGH, PA 15220 | UPMC HEALTH OPTIONS | $4K | — | $4K | 2.17% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO | 4507 N FRONT STREET SUITE 301 HARRISBURG, PA 17110 | UPMC HEALTH OPTIONS | $2K | — | $2K | 0.75% |
| SMC INSURANCE AGENCY, INC.3 Filed as: SMC INSURANCE AGENCY | 600 CRANBERRY WOODS DRIVE SUITE 190 CRANBERRY TWP, PA 16066 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 6.41% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC DBA ARMS | 965 GREENTREE ROAD SUITE 110 P O BOX 4 PITTSBURGH, PA 152203353 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $316 | $2K | 5.95% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC. | 965 GREENTREE ROAD SUITE 110 PITTSBURGH, PA 15220 | UPMC HEALTH BENEFITS | $2K | — | $2K | 6.78% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO | 4507 N FRONT STREET SUITE 103 HARRISBURG, PA 17110 | UPMC HEALTH BENEFITS | $546 | — | $546 | 2.41% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC. | 965 GREENTREE ROAD SUITE 110 PITTSBURGH, PA 15220 | UPMC HEALTH OPTIONS | $413 | — | $413 | 2.23% |
| EMERSON REID LLC3 Filed as: EMMERSON REID & CO | 4507 N FRONT STREET SUITE 301 HARRISBURG, PA 17110 | UPMC HEALTH OPTIONS | $138 | — | $138 | 0.74% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC. | 965 GREENTREE ROAD SUITE 110 PITTSBURGH, PA 15220 | UPMC HEALTH OPTIONS | $378 | — | $378 | 2.44% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO | 4507 N FRONT STREET SUITE 301 HARRISBURG, PA 17110 | UPMC HEALTH OPTIONS | $82 | — | $82 | 0.53% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC. | 965 GREENTREE ROAD SUITE 110 PITTSBURGH, PA 15220 | UPMC HEALTH BENEFITS | $454 | — | $454 | 7.20% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO | 4507 N FRONT STREET SUITE 103 HARRISBURG, PA 17110 | UPMC HEALTH BENEFITS | $147 | — | $147 | 2.33% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC. | 965 GREENTREE ROAD SUITE 110 PITTSBURGH, PA 15220 | UPMC HEALTH BENEFITS | $394 | — | $394 | 7.55% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO | 4507 N FRONT STREET SUITE 301 HARRISBURG, PA 17110 | UPMC HEALTH BENEFITS | $126 | — | $126 | 2.41% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC. | 965 GREENTREE ROAD SUITE 110 PITTSBURGH, PA 15220 | UPMC HEALTH BENEFITS | $342 | — | $342 | 6.90% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO | 4507 N FRONT STREET SUITE 103 HARRISBURG, PA 17110 | UPMC HEALTH BENEFITS | $121 | — | $121 | 2.44% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO | 4507 N FRONT STREET SUITE 301 HARRISBURG, PA 17110 | UPMC HEALTH OPTIONS | $63 | — | $63 | 3.77% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC. | 965 GREENTREE ROAD SUITE 110 PITTSBURGH, PA 15220 | UPMC HEALTH OPTIONS | $21 | — | $21 | 1.26% |
| GCG FINANCIAL LLC Filed as: ALERA GROUP INC DBA ARMS INS GROUP | 965 GREENTREE ROAD SUITE 110 PITTSBURGH, PA 15220 | UPMC HEALTH BENEFITS | $88 | — | $88 | 6.49% |
| EMERSON REID LLC Filed as: EMERSON REID & CO | 4507 N FRONT STREET SUITE 103 HARRISBURG, PA 17110 | UPMC HEALTH BENEFITS | $29 | — | $29 | 2.14% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC. | 965 GREENTREE ROAD SUITE 110 PITTSBURGH, PA 15220 | UPMC HEALTH BENEFITS | $75 | — | $75 | 6.98% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO | 4507 N FRONT STREET SUITE 103 HARRISBURG, PA 17110 | UPMC HEALTH BENEFITS | $25 | — | $25 | 2.33% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC. | 965 GREENTREE ROAD SUITE 110 PITTSBURGH, PA 15220 | UPMC HEALTH BENEFITS | $28 | — | $28 | 7.09% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO | 4507 N FRONT STREET SUITE 103 HARRISBURG, PA 17110 | UPMC HEALTH BENEFITS | $9 | — | $9 | 2.28% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC. | 965 GREENTREE ROAD SUITE 110 PITTSBURGH, PA 15220 | UPMC HEALTH BENEFITS | $16 | — | $16 | 6.45% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO | 4507 N FRONT STREET SUITE 103 HARRISBURG, PA 17110 | UPMC HEALTH BENEFITS | $6 | — | $6 | 2.42% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC. | 965 GREENTREE ROAD SUITE 110 PITTSBURGH, PA 15220 | UPMC HEALTH BENEFITS | $21 | — | $21 | 10.71% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO | 4507 N FRONT STREET SUITE 103 HARRISBURG, PA 17110 | UPMC HEALTH BENEFITS | — | — | $0 | 0.00% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC. | 965 GREENTREE ROAD SUITE 110 PITTSBURGH, PA 15220 | UPMC HEALTH BENEFITS | $6 | — | $6 | 5.83% |
| EMERSON REID LLC Filed as: EMERSON REID & CO | 4507 N FRONT STREET SUITE 103 HARRISBURG, PA 17110 | UPMC HEALTH BENEFITS | $4 | — | $4 | 3.88% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO | 4507 N FRONT STREET SUITE 301 HARRISBURG, PA 17110 | UPMC HEALTH BENEFITS | $3 | — | $3 | 5.88% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 965 GREENTREE ROAD SUITE 110 PITTSBURGH, PA 15220 | UPMC HEALTH BENEFITS | $1 | — | $1 | 1.96% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC. | 965 GREENTREE ROAD SUITE 110 PITTSBURGH, PA 15220 | UPMC HEALTH OPTIONS | — | — | $0 | — |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO. | 4507 N FRONT STREET SUITE 301 HARRISBURG, PA 17110 | UPMC HEALTH OPTIONS | — | — | $0 | — |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC. | 965 GREENTREE ROAD SUITE 110 PITTSBURGH, PA 15220 | UPMC HEALTH BENEFITS | — | — | $0 | — |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO | 4507 N FRONT STREET SUITE 301 HARRISBURG, PA 17110 | UPMC HEALTH BENEFITS | — | — | $0 | — |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC. | 965 GREENTREE ROAD SUITE 110 PITTSBURGH, PA 15220 | UPMC HEALTH BENEFITS | — | — | $0 | — |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO | 4507 N FRONT STREET SUITE 301 HARRISBURG, PA 17110 | UPMC HEALTH BENEFITS | — | — | $0 | — |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC. | 965 GREENTREE ROAD SUITE 110 PITTSBURGH, PA 15220 | UPMC HEALTH BENEFITS | — | — | $0 | — |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO | EMERSON REID CO SUITE 301 HARRISBURG, PA 17110 | UPMC HEALTH BENEFITS | — | — | $0 | — |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC. | 965 GREENTREE ROAD SUITE 110 PITTSBURGH, PA 15220 | UPMC HEALTH BENEFITS | — | — | $0 | — |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO | 4507 N FRONT STREET SUITE 301 HARRISBURG, PA 17110 | UPMC HEALTH BENEFITS | — | — | $0 | — |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC. | 965 GREENTREE ROAD SUITE 110 PITTSBURGH, PA 15220 | UPMC HEALTH BENEFITS | — | — | $0 | — |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO | 4507 N FRONT STREET SUITE 103 HARRISBURG, PA 17110 | UPMC HEALTH BENEFITS | — | — | $0 | — |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC. | 854 GREENTREE ROAD SUITE 110 PITTSBURGH, PA 15220 | UPMC HEALTH BENEFITS | — | — | $0 | — |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO | 4507 N FRONT STREET SUITE 301 HARRISBURG, PA 17110 | UPMC HEALTH BENEFITS | — | — | $0 | — |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC. | 965 GREENTREE ROAD SUITE 110 PITTSBURGH, PA 15220 | UPMC HEALTH BENEFITS | — | — | $0 | — |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO | 4507 N FRONT STREET SUITE 301 HARRISBURG, PA 17110 | UPMC HEALTH BENEFITS | — | — | $0 | — |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO | 4507 N FRONT STREET SUITE 103 HARRISBURG, PA 17110 | UPMC HEALTH BENEFITS | — | — | $0 | — |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC. | 965 GREENTREE ROAD SUITE 110 PITTSBURGH, PA 15220 | UPMC HEALTH BENEFITS | — | — | $0 | — |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO | 4507 N FRONT STREET SUITE 103 HARRISBURG, PA 17110 | UPMC HEALTH BENEFITS | — | — | $0 | — |
| GCG FINANCIAL LLC Filed as: ALERA GROUP INC DBA ARMS INS GROUP | 965 GREENTREE ROAD SUITE 110 PITTSBURGH, PA 15220 | UPMC HEALTH BENEFITS | — | — | $0 | — |
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 | 172 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 172 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts) | UPMC HEALTH OPTIONS | 81 | $615K |
| Dental(20 contracts) | UPMC HEALTH BENEFITS | 71 | $43K |
| Vision(15 contracts) | UPMC HEALTH BENEFITS | 71 | $41K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 172 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 172 | — |
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."
No prospect flags tripped on this filing.