| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ARMS INSURANCE GROUP LLC3 Filed as: ARMS INSURANCE GROUP, LLC | 300 LENTO BLVD. BETHEL PARK, PA 15102 | UNITED CONCORDIA INSURANCE COMPANY | $5K | — | $5K | 6.06% |
| BRYER INSURANCE SERVICES, INC.3 | 2135 RIDGE ROAD GREENSBURG, PA 15601 | AMERICAN UNITED LIFE INSURANCE COMPANY | $5K | — | $5K | 12.59% |
| RICHARD D BRYER3 Filed as: RICHARD D. BRYER, SR | 2135 RIDGE ROAD GREENSBURG, PA 15601 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 13.45% |
| ARMS INSURANCE GROUP LLC3 Filed as: ARMS INSURANCE GROUP, LLC | 3000 LENTO BLVD. BETHEL PARK, PA 15102 | HIGHMARK | $714 | — | $714 | 2.96% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COURY HEALTH SERVICES LLC NONE | Insurance brokerage commissions and fees Service code 53 | ONE OXFORD CENTRE 301 GRANT STREET PITTSBURGH, PA 15219 | $45K |
| CIGNA HEALTH & LIFE INSURANCE CO EIN 59-1031071 NONE | Contract Administrator; Participant communication; Named fiduciary; Claims processing; Non-monetary compensation; Direct payment from the plan; Float revenue; Other services Service code 12 | — | $10K |
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 | 413 | 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) | 413 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 299 | $83K |
| Vision | HIGHMARK | 272 | $24K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 410 | $69K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 64 | $41K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 410 | $29K |
| Other(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 410 | $69K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 410 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.