| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COURY HEALTH SERVICES LLC3 | 965 GREENTREE RD STE 310 PITTSBURGH, PA 15220 | PRINCIPAL LIFE INSURANCE COMPANY | $9K | $0 | $9K | 10.32% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 4550 LENA DR MECHANICSBURG, PA 17055 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 2.54% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 965 GREENTREE RD, STE 310 PITTSBURGH, PA 15220 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 2.45% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COURY HEALTH SERVICES, LLC EIN 25-1692664 BROKER | Insurance agents and brokers Service code 22 | — | $32K |
| THE BENECON GROUP EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $23K |
| CONNECTCARE3 EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $5K |
| FIRST NATIONAL INSURANCE AGENCY EIN 25-1186550 BROKER | Insurance agents and brokers Service code 22 | — | $144 |
| HIGHMARK WEST EIN 23-1294723 ADMIN | Claims processing Service code 12 | — | -$8K |
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 | 132 | 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) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 167 | $86K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 167 | $86K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 167 | $86K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 167 | $86K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 167 | $86K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 73 | $173K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 167 | — |
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.