| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 965 GREENTREE RD, SUITE 310 PITTSBURGH, PA 15220 | UPMC HEALTH OPTIONS | $12K | — | $12K | 2.98% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 965 GREENTREE RD, SUITE 310 PITTSBURGH, PA 15220 | UPMC HEALTH OPTIONS | $9K | — | $9K | 3.00% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 965 GREENTREE RD, SUITE 310 PITTSBURGH, PA 15220 | UPMC HEALTH OPTIONS | $7K | — | $7K | 2.99% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 965 GREENTREE RD, SUITE 310 PITTSBURGH, PA 15220 | UPMC HEALTH OPTIONS | $3K | — | $3K | 2.81% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 965 GREENTREE RD, SUITE 310 PITTSBURGH, PA 15220 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $541 | $3K | 4.92% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK, STE A BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $309 | $309 | 0.44% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 965 GREENTREE RD, SUITE 310 PITTSBURGH, PA 15220 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $627 | $4K | 10.34% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK, STE A BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $537 | $537 | 1.35% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 965 GREENTREE RD, SUITE 310 PITTSBURGH, PA 15220 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $594 | $4K | 10.31% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK, STE A BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $509 | $509 | 1.29% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 965 GREENTREE RD, SUITE 310 PITTSBURGH, PA 15220 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $495 | $4K | 12.70% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK, STE A BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $424 | $424 | 1.31% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 965 GREENTREE RD, SUITE 310 PITTSBURGH, PA 15220 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $487 | $3K | 11.80% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK, STE A BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $418 | $418 | 1.54% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 965 GREENTREE RD, SUITE 310 PITTSBURGH, PA 15220 | UPMC HEALTH OPTIONS | $739 | — | $739 | 2.98% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 965 GREENTREE RD, SUITE 310 PITTSBURGH, PA 15220 | UPMC HEALTH OPTIONS | $517 | — | $517 | 2.84% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 965 GREENTREE RD, SUITE 310 PITTSBURGH, PA 15220 | UPMC HEALTH OPTIONS | $399 | — | $399 | 3.46% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 965 GREENTREE RD, SUITE 310 PITTSBURGH, PA 15220 | VISION BENEFITS OF AMERICA | $280 | — | $280 | 3.90% |
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 | 335 | 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) | 335 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts) | UPMC HEALTH OPTIONS | 63 | $1.1M |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 151 | $70K |
| Vision | VISION BENEFITS OF AMERICA | 115 | $7K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 257 | $39K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 257 | $40K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 257 | $32K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 257 | $67K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 257 | — |
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.