| 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. | $21K | $0 | $21K | 3.61% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | HIGHMARK INC. | $2K | $0 | $2K | 0.34% |
| COURY HEALTH SERVICES LLC3 Filed as: COURY HEALTH SERVICES, LLC | 965 GREENTREE ROAD, SUITE 310 PITTSBURGH, PA 15220 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | $0 | $6K | 17.46% |
| AUDREY LYNN ENGLE3 Filed as: AUDREY L. ENGLE | 189 DEHAVEN ROAD BEAVER FALLS, PA 15010 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 4.03% |
| BRIAN W PATTEN3 Filed as: BRIAN W. PATTEN | 121 BUCKTHORN ROAD BADEN, PA 15005 | CONTINENTAL AMERICAN INSURANCE COMPANY | $830 | $0 | $830 | 2.51% |
| MICHAEL V BARRECA3 Filed as: MICHAEL V. BARRECA | 2966 MALIBU DRIVE SW WARREN, OH 44481 | CONTINENTAL AMERICAN INSURANCE COMPANY | $726 | $0 | $726 | 2.19% |
| BRIAN W PATTEN3 Filed as: BRIAN W. PATTEN | 120 MARGUERITE DRIVE, SUITE 101 CRANBERRY TOWNSHIP, PA 16066 | CONTINENTAL AMERICAN INSURANCE COMPANY | $646 | $0 | $646 | 1.95% |
| DANIEL C HARRIS3 Filed as: DANIEL C. HARRIS | 124 CARTERS GROVE DRIVE GIBSONIA, PA 15044 | CONTINENTAL AMERICAN INSURANCE COMPANY | $436 | $0 | $436 | 1.32% |
| MJ INSURANCE3 Filed as: MATTHEW KIRKWOOD AND VARIOUS AGENTS | 742 ADDIS STREET NEW CASTLE, PA 16101 | CONTINENTAL AMERICAN INSURANCE COMPANY | $252 | $0 | $252 | 0.76% |
| COURY HEALTH SERVICES LLC3 Filed as: COURY HEALTH SERVICES INC | 965 GREENTREE ROAD, SUITE 310 PITTSBURGH, PA 15220 | AMERICAN UNITED LIFE INSURANCE COMPANY | $538 | $0 | $538 | 8.20% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 965 GREENTREE ROAD, SUITE 110 PITTSBURGH, PA 15220 | AMERICAN UNITED LIFE INSURANCE COMPANY | $0 | $269 | $269 | 4.10% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 444 LIBERTY AVENUE PITTSBURGH, PA 15222 | AMERICAN UNITED LIFE INSURANCE COMPANY | $118 | $47 | $165 | 2.52% |
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 | 174 | 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) | 174 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK INC. | 119 | $585K |
| Dental | HIGHMARK INC. | 119 | $585K |
| Vision | HIGHMARK INC. | 119 | $585K |
| Life insurance(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 174 | $40K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 48 | $33K |
| Prescription drug | HIGHMARK INC. | 119 | $585K |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 174 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 174 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.