| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 965 GREENTREE ROAD, SUITE 310 PITTSBURGH, PA 15220 | UNITED CONCORDIA INSURANCE COMPANY | $5K | — | $5K | 4.96% |
| ERC OF NY, INC.3 Filed as: ERC OF NY INC. | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | UNITED CONCORDIA INSURANCE COMPANY | $1K | — | $1K | 1.57% |
| BRYER INSURANCE SERVICES, INC.3 | 2135 RIDGE ROAD GREENSBURG, PA 15601 | AMERICAN UNITED LIFE INSURANCE COMPANY | $7K | — | $7K | 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 | 11.87% |
| ARMS INSURANCE GROUP LLC3 Filed as: ARMS INSURANCE GROUP, LLC | 3000 LENTO BLVD. BETHEL PARK, PA 15102 | HIGHMARK | $713 | — | $713 | 2.52% |
| EMERSON REID LLC3 | 100 PINEWOOD LANE SUITE 301 WARRENDALE, PA 15086 | HIGHMARK | $134 | — | $134 | 0.47% |
| RICHARD D BRYER3 Filed as: RICHARD D BRYER SR | 2135 RIDGE ROAD GREENSBURG, PA 15601 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 35.85% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $319 | — | $319 | 1.88% |
| RICHARD D BRYER3 Filed as: RICHARD D BRYER SR | 2135 RIDGE ROAD GREENSBURG, PA 15601 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $449 | — | $449 | 9.07% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $53 | — | $53 | 1.07% |
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 | 388 | 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) | 388 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 322 | $91K |
| Vision | HIGHMARK | 276 | $28K |
| Life insurance(3 contracts, 3 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 401 | $91K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 126 | $54K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 401 | $32K |
| Other(3 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 401 | $103K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 401 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.