| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 965 GREENTREE ROAD STE 110 PITTSBURGH, PA 15220 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | $589 | $4K | 6.19% |
| COURY HEALTH SERVICES LLC3 | 965 GREENTREE RD STE 310 PITTSBURGH, PA 152203353 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 5.28% |
| COURY HEALTH SERVICES LLC3 Filed as: COURY HEALTH SERVICES | 965 GREENTREE RD STE 310 PITTSBURGH, PA 15220 | VISION BENEFITS OF AMERICA | $695 | $0 | $695 | 6.49% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN EIN 16-1264154 ADMIN | Claims processing Service code 12 | — | $48K |
| COURY HEALTH SERVICES LLC BROKER | Insurance agents and brokers Service code 22 | 965 GREENTREE RD STE 310 PITTSBURGH, PA 15220 | $30K |
| THE BENECON GROUP EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $23K |
| CONNECTCARE 3 EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $6K |
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 | 102 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 104 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 317 | $58K |
| Vision | VISION BENEFITS OF AMERICA | 109 | $11K |
| Stop-loss / reinsurancereinsurance | EVEREST REINSURANCE COMPANY | 90 | $353K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 317 | — |
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.