| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 965 GREENTREE RD, SUITE 110 PITTSBURGH, PA 15220 | UPMC HEALTH OPTIONS | $9K | — | $9K | 2.59% |
| GCG FINANCIAL LLC3 Filed as: CHS ALERA GROUP | 965 GREENTREE RD, SUITE 310 PITTSBURGH, PA 15220 | UPMC HEALTH OPTIONS | $6K | — | $6K | 1.72% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 965 GREENTREE RD, SUITE 110 PITTSBURGH, PA 15220 | UPMC HEALTH OPTIONS | $9K | — | $9K | 2.57% |
| GCG FINANCIAL LLC3 Filed as: CHS ALERA GROUP | 965 GREENTREE RD, SUITE 310 PITTSBURGH, PA 15220 | UPMC HEALTH OPTIONS | $6K | — | $6K | 1.75% |
| COURY HEALTH SERVICES LLC3 Filed as: COURY HEALTH SERVICES | 965 GREENTREE RD, SUITE 310 PITTSBURGH, PA 15220 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | $283 | $14K | 6.30% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 965 GREENTREE RD, SUITE 110 PITTSBURGH, PA 15220 | UPMC HEALTH OPTIONS | $7K | — | $7K | 2.98% |
| GCG FINANCIAL LLC3 Filed as: CHS ALERA GROUP | 965 GREENTREE RD, SUITE 310 PITTSBURGH, PA 15220 | UPMC HEALTH OPTIONS | $3K | — | $3K | 1.42% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 965 GREENTREE RD, SUITE 110 PITTSBURGH, PA 15220 | UPMC HEALTH OPTIONS | $2K | — | $2K | 2.69% |
| GCG FINANCIAL LLC3 Filed as: CHS ALERA GROUP | 965 GREENTREE RD, SUITE 310 PITTSBURGH, PA 15220 | UPMC HEALTH OPTIONS | $1K | — | $1K | 1.70% |
| COURY HEALTH SERVICES LLC3 Filed as: COURY HEALTH SERVICES | 965 GREENTREE RD, SUITE 310 PITTSBURGH, PA 15220 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $272 | $3K | 6.47% |
| COURY HEALTH SERVICES LLC3 Filed as: COURY HEALTH SERVICES | 965 GREENTREE RD, SUITE 310 PITTSBURGH, PA 15220 | VISION BENEFITS OF AMERICA | $316 | — | $316 | 3.98% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 965 GREENTREE RD, SUITE 110 PITTSBURGH, PA 15220 | UPMC HEALTH OPTIONS | $176 | — | $176 | 2.77% |
| GCG FINANCIAL LLC3 Filed as: CHS ALERA GROUP | 965 GREENTREE RD, SUITE 310 PITTSBURGH, PA 15220 | UPMC HEALTH OPTIONS | $88 | — | $88 | 1.38% |
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 | 242 | 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) | 242 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts) | UPMC HEALTH OPTIONS | 58 | $986K |
| Dental(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 326 | $274K |
| Vision | VISION BENEFITS OF AMERICA | 119 | $8K |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 326 | $274K |
| Short-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 326 | $274K |
| Long-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 326 | $274K |
| Other(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 326 | $274K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 326 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.