| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 4550 LENA DRIVE MECHANICSBURG, PA 17050 | HIGHMARK INC | $10K | — | $10K | 9.61% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY NORTH BLVD SUITE 500 DEERFIELD, IL 60015 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 5.01% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | DBA COURY HEALTH SERVICES 965 GREENTREE ROAD STE 310 PITTSBURGH, PA 15220 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 2.82% |
| COURY HEALTH SERVICES LLC3 | 965 GREENTREE ROAD SUITE 310 PITTSBURGH, PA 16220 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 2.36% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC DBA | COURY HEALTH SERV 965 GREENTREE ROAD STE 310 PITTSBURGH, PA 15220 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 6.89% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY NORTH BLVD SUITE 500 DEERFIELD, IL 60015 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 5.00% |
| COURY HEALTH SERVICES LLC3 | 965 GREENTREE ROAD SUITE 310 PITTSBURGH, PA 15220 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $772 | — | $772 | 3.10% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC DBA | COURY HEALTH SERV 965 GREENTREE ROAD STE 3310 PITTSBURGH, PA 15220 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 6.95% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY NORTH BLVD SUITE 500 DEERFIELD, IL 60015 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $820 | $820 | 5.00% |
| COURY HEALTH SERVICES LLC3 | 965 GREENTREE ROAD SUITE 300 PITTSBURGH, PA 15220 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $500 | — | $500 | 3.05% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | DBA COURY HEALTH SERVICES 965 GREENTREE ROAD STE 3310 PITTSBURGH, PA 15220 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 9.13% |
| COURY HEALTH SERVICES LLC3 | 965 GREENTREE ROAD SUITE 310 PITTSBURGH, PA 15220 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $888 | — | $888 | 5.61% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY NORTH BLVD SUITE 500 DEERFIELD, IL 60015 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $791 | $791 | 5.00% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC DBA | COURY HEALTH SERVICES 965 GREENTREE ROAD STE 30 PITTSBURGH, PA 15220 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $547 | — | $547 | 5.54% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY NORTH BLVD SUITE 500 DEERFIELD, IL 60015 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $493 | $493 | 5.00% |
| COURY HEALTH SERVICES LLC3 | 965 GREENTREE ROAD SUITE 310 PITTSBURGH, PA 15220 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $318 | — | $318 | 3.22% |
| COURY HEALTH SERVICES LLC3 | 965 GREENTREE RD SUITE 310 PITTSBURGH, PA 15220 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $653 | — | $653 | 9.89% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC DBA | COURY HEALTH SERVICES 965 GREENTREE ROAD STE 310 PITTSBURGH, PA 15220 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $305 | — | $305 | 6.70% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY NORTH BLVD SUITE 500 DEEERFIELD, IL 60015 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $228 | $228 | 5.01% |
| COURY HEALTH SERVICES LLC3 | 965 GREENTREE ROAD SUITE 310 PITTSBURGH, PA 15220 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $150 | — | $150 | 3.30% |
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 | 223 | 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) | 223 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | HIGHMARK INC | 347 | $156K |
| Vision(2 contracts, 2 carriers) | HIGHMARK INC | 347 | $118K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 223 | $29K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 186 | $16K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 223 | $16K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 223 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 347 | — |
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.