| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COURY HEALTH SERVICES LLC3 Filed as: COURY HEALTH SERVICES INC | 965 GREENTREE RD STE 310 PITTSBURGH, PA 15220 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 3.08% |
| COURY HEALTH SERVICES LLC3 Filed as: COURY HEALTH SERVICES INC | 965 GREENTREE RD STE 310 PITTSBURGH, PA 15220 | STANDARD INSURANCE COMPANY | $7K | $0 | $7K | 15.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN DEALER SERVICES LLC | 13101 MAGISTERIAL DRIVE STE 200 LOUISVILLE, KY 40223 | STANDARD INSURANCE COMPANY | $0 | $2K | $2K | 4.38% |
| COURY HEALTH SERVICES LLC3 Filed as: COURY HEALTH SERVICES INC | 965 GREENTREE RD STE 310 PITTSBURGH, PA 15220 | STANDARD INSURANCE COMPANY | $7K | $0 | $7K | 15.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN DEALER SERVICES LLC | 13101 MAGISTERIAL DRIVE STE 200 LOUISVILLE, KY 40223 | STANDARD INSURANCE COMPANY | $0 | $2K | $2K | 4.64% |
| COURY HEALTH SERVICES LLC3 | 965 GREENTREE RD STE 310 PITTSBURGH, PA 152206401 | STANDARD INSURANCE COMPANY | $3K | $0 | $3K | 6.67% |
| COURY HEALTH SERVICES LLC3 | 680 ANDERSEN DR STE 1 PITTSBURGH, PA 152202756 | PRINCIPAL LIFE INSURANCE COMPANY | $13K | $0 | $13K | 37.75% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC DBA ARMS | 965 GREENTREE RD STE 110 PITTSBURGH, PA 152203353 | PRINCIPAL LIFE INSURANCE COMPANY | — | $907 | $907 | 2.55% |
| GCG FINANCIAL LLC3 Filed as: ALERA GENERAL AGENCY INS SERVICES | 680 ANDERSEN DR STE 615 PITTSBURGH, PA 152202759 | PRINCIPAL LIFE INSURANCE COMPANY | — | $864 | $864 | 2.43% |
| COURY HEALTH SERVICES LLC3 Filed as: COURY HEALTH SERVICES INC | 965 GREENTREE RD STE 310 PITTSBURGH, PA 15220 | STANDARD INSURANCE COMPANY | $248 | $0 | $248 | 2.44% |
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 | 117 | 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) | 117 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STANDARD INSURANCE COMPANY | 120 | $54K |
| Vision | STANDARD INSURANCE COMPANY | 109 | $10K |
| Life insurance | STANDARD INSURANCE COMPANY | 165 | $40K |
| Short-term disability | STANDARD INSURANCE COMPANY | 78 | $45K |
| Long-term disability | STANDARD INSURANCE COMPANY | 165 | $49K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 81 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 165 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.