| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FIRST NATIONAL INSURANCE AGENCY3 Filed as: FIRST NATIONAL INSURANCE AGENCY LLC | 12 FEDERAL ST #405 PITTSBURGH, PA 15212 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | $0 | $5K | 9.20% |
| PHOENIX INSURANCE GROUP, INC.3 Filed as: PHOENIX INSURANCE AGENCY, INC. | 225 KENNETH DR ROCHESTER, NY 14623 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | $0 | $4K | 6.70% |
| COURY HEALTH SERVICES LLC3 | 965 GREENTREE RD STE 310 PITTSBURGH, PA 15220 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $0 | $2K | 2.69% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 4550 LENA DR MECHANICSBURG, PA 17055 | UNITEDHEALTHCARE INSURANCE COMPANY | $732 | $0 | $732 | 1.27% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FIRST NATIONAL INSURANCE AGENCY EIN 25-1186550 BROKER | Insurance agents and brokers Service code 22 | — | $24K |
| THE BENECON GROUP EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $16K |
| CONNECTCARE3 EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $4K |
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 | 61 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 62 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 109 | $58K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 109 | $58K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 109 | $58K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 61 | $128K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 109 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.