| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COURY HEALTH SERVICES LLC3 Filed as: COURY FINANCAL GROUP LP | 600 GRANT STREET US STEEL TOWER - SUITE 3040 PITTSBURGH, PA 15219 | HEALTHAMERICA OF PENNSYLVANIA, INC. | $35K | — | $35K | 3.45% |
| THE COURY FIRM LLC3 Filed as: COURY FINANCIAL GROUP LP | 600 GRANT STREET US STEEL TOWER - SUITE 3040 PITTSBURGH, PA 15219 | COVENTRY HEALTH AND LIFE | $7K | — | $7K | 3.45% |
| THE COURY FIRM LLC3 Filed as: COURY FINANCIAL GROUP LP | 600 GRAND STREET US STEEL TOWER SUITE 3040 PITTSBURGH, PA 15219 | AETNA LIFE INSURANCE CO. | $5K | — | $5K | 4.49% |
| THE COURY FIRM LLC3 Filed as: COURY FINANCIAL GROUP LP | 600 GRANT ST. STE 3040 PITTSBURGH, PA 15219 | HIGHMARK INC. | $1K | — | $1K | 3.79% |
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 | 293 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 299 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTHAMERICA OF PENNSYLVANIA, INC. | 423 | $1.2M |
| Dental | AETNA LIFE INSURANCE CO. | 555 | $115K |
| Vision | HIGHMARK INC. | 302 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 555 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.