| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: ALERA DBA ARMS INSURANCE GROUP | 680 ANDERSEN DR SUITE 615 PITTSBURGH, PA 15220 | UPMC HEALTH OPTIONS | $13K | — | $13K | 3.01% |
| GCG FINANCIAL LLC3 Filed as: ALERA DBA ARMS INSURANCE GROUP | 680 ANDERSEN DR SUITE 615 PITTSBURGH, PA 15220 | UPMC HEALTH OPTIONS | $8K | — | $8K | 2.99% |
| GCG FINANCIAL LLC3 Filed as: ALERA DBA ARMS INSURANCE GROUP | 680 ANDERSEN DR SUITE 615 PITTSBURGH, PA 15220 | UPMC HEALTH OPTIONS | $6K | — | $6K | 3.08% |
| GCG FINANCIAL LLC3 Filed as: ALERA DBA ARMS INSURANCE GROUP | 680 ANDERSEN DR SUITE 615 PITTSBURGH, PA 15220 | UPMC HEALTH OPTIONS | $2K | — | $2K | 2.93% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 119 W WAYNE AVE WAYNE, PA 19087 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 4.71% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC DBA COURY HEALTH | 680 ANDERSEN DR SUITE 615 PITTSBURGH, PA 15220 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 4.63% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC DBA COURY HEALTH | 965 GREENTREE RD, SUITE 310 PITTSBURGH, PA 15220 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 3.62% |
| GCG FINANCIAL LLC3 Filed as: ALERA GENERAL AGENCY INSURANCE SERV | 4550 LENA DR MECHANICSBURG, PA 17055 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $470 | $470 | 0.81% |
| GCG FINANCIAL LLC3 Filed as: ALERA DBA ARMS INSURANCE GROUP | 680 ANDERSEN DR SUITE 615 PITTSBURGH, PA 15220 | UPMC HEALTH OPTIONS | $1K | — | $1K | 2.85% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC DBA COURY HEALTH | 680 ANDERSEN DR SUITE 615 PITTSBURGH, PA 15220 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 9.09% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC DBA COURY HEALTH | 965 GREENTREE RD, SUITE 310 PITTSBURGH, PA 15220 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 7.01% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 119 W WAYNE AVE WAYNE, PA 19087 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 5.16% |
| GCG FINANCIAL LLC3 Filed as: ALERA GENERAL AGENCY INSURANCE SERV | 4550 LENA DR MECHANICSBURG, PA 17055 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $308 | $308 | 0.84% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC DBA COURY HEALTH | 680 ANDERSEN DR SUITE 615 PITTSBURGH, PA 15220 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 9.22% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC DBA COURY HEALTH | 965 GREENTREE RD, SUITE 310 PITTSBURGH, PA 15220 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 7.08% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 119 W WAYNE AVE WAYNE, PA 19087 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 5.17% |
| GCG FINANCIAL LLC3 Filed as: ALERA GENERAL AGENCY INSURANCE SERV | 4550 LENA DR MECHANICSBURG, PA 17055 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $299 | $299 | 0.84% |
| GCG FINANCIAL LLC3 Filed as: ALERA DBA ARMS INSURANCE GROUP | 680 ANDERSEN DR SUITE 615 PITTSBURGH, PA 15220 | UPMC HEALTH OPTIONS | $1K | — | $1K | 3.38% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC DBA COURY HEALTH | 680 ANDERSEN DR SUITE 615 PITTSBURGH, PA 15220 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 11.63% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC DBA COURY HEALTH | 965 GREENTREE RD, SUITE 310 PITTSBURGH, PA 15220 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 7.00% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY NORTH BLVD STE 500 DEERFIELD, IL 60015 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $302 | $302 | 1.00% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC DBA COURY HEALTH | 680 ANDERSEN DR SUITE 615 PITTSBURGH, PA 15220 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC DBA COURY HEALTH | 965 GREENTREE RD, SUITE 310 PITTSBURGH, PA 15220 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 7.45% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 119 W WAYNE AVE WAYNE, PA 19087 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 5.25% |
| GCG FINANCIAL LLC3 Filed as: ALERA GENERAL AGENCY INSURANCE SERV | 4550 LENA DR MECHANICSBURG, PA 17055 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $201 | $201 | 0.82% |
| COURY HEALTH SERVICES LLC3 Filed as: COURY HEALTH SERVICES | 680 ANDERSEN DR SUITE 615 PITTSBURGH, PA 15220 | VISION BENEFITS OF AMERICA | $497 | — | $497 | 7.60% |
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 | 266 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 268 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts) | UPMC HEALTH OPTIONS | 61 | $1.1M |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 124 | $58K |
| Vision | VISION BENEFITS OF AMERICA | 84 | $7K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 216 | $37K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 216 | $36K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 216 | $30K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 216 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 216 | — |
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.