| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COURY HEALTH SERVICES LLC3 Filed as: COURY HEALTH SV | 680 ANDERSEN DR STE 615 PITTSBURGH, PA 15220 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP | 965 GREENTREE RD SUITE 310 PITTSBURGH, PA 15220 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 8.33% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC | 3 PARKWAY NORTH BLVD STE 500 DEERFIELD, IL 60015 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $246 | $246 | 1.19% |
| COURY HEALTH SERVICES LLC3 Filed as: COURY HEALTH SV | 680 ANDERSEN DR STE 615 PITTSBURGH, PA 15220 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 6.93% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC DBA COURY HEALTH SV | 965 GREENTREE RD STE 310 PITTSBURGH, PA 15220 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $703 | $703 | 3.67% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC | 3 PARKWAY NORTH BLVD STE 500 DEERFIELD, IL 60015 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $100 | $100 | 0.52% |
| COURY HEALTH SERVICES LLC3 Filed as: COURY HEALTH SV | 680 ANDERSEN DR STE 615 PITTSBURGH, PA 15220 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 15.00% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC | 965 GREENTREE RD STE 310 PITTSBURGH, PA 15220 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $708 | $708 | 6.92% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 119 W WAYNE AVE WAYNE, PA 19087 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $570 | $570 | 5.57% |
| GCG FINANCIAL LLC3 Filed as: ALERA GENERAL AGENCY | 4550 LENA DR MECHANICSBURG, PA 17055 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $43 | $43 | 0.42% |
| COURY HEALTH SERVICES LLC3 Filed as: COURY HEALTH SV | 680 ANDERSEN DR STE 615 PITTSBURGH, PA 15220 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $913 | $0 | $913 | 10.00% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC DBA COURY HEALTH SV | 965 GREENTREE RD STE 310 PITTSBURGH, PA 15220 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $692 | $692 | 7.58% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC | 3 PARKWAY NORTH BLVD STE 500 DEERFIELD, IL 60015 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $99 | $99 | 1.08% |
| COURY HEALTH SERVICES LLC3 Filed as: COURY HEALTH SV | 680 ANDERSEN DR STE 615 PITTSBURGH, PA 15220 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $819 | $0 | $819 | 10.00% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC DBA COURY HEALTH SV | 965 GREENTREE RD STE 310 PITTSBURGH, PA 15220 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $572 | $572 | 6.99% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 3 PARKWAY NORTH BLVD STE 500 DEERFIELD, IL 60015 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $82 | $82 | 1.00% |
| COURY HEALTH SERVICES LLC3 Filed as: COURY HEALTH SV | 680 ANDERSEN DR STE 615 PITTSBURGH, PA 15220 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $460 | $0 | $460 | 10.00% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP | 965 GREENTREE RD SUITE 310 PITTSBURGH, PA 15220 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $328 | $328 | 7.13% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC | 3 PARKWAY NORTH BLVD STE 500 DEERFIELD, IA 60015 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $47 | $47 | 1.02% |
| COURY HEALTH SERVICES LLC3 Filed as: COURY HEALTH SV | 680 ANDERSEN DR STE 615 PITTSBURGH, PA 15220 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $557 | $0 | $557 | 15.00% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC DBA COURY HEALTH SV | 965 GREENTREE RD STE 310 PITTSBURGH, PA 15220 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $278 | $278 | 7.49% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 3 PARKWAY NORTH BLVD STE 500 DEERFIELD, IL 60015 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $40 | $40 | 1.08% |
| COURY HEALTH SERVICES LLC3 Filed as: COURY HEALTH SV | 680 ANDERSEN DR STE 615 PITTSBURGH, PA 15220 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $429 | $0 | $429 | 15.00% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP | 965 GREENTREE RD STE 310 PITTSBURGH, PA 15220 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $230 | $230 | 8.04% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 3 PARKWAY NORTH BLVD STE 500 DEERFIELD, IL 60015 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $33 | $33 | 1.15% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK WEST EIN 23-1294723 ADMIN | Claims processing Service code 12 | — | $17K |
| THE BENECON GROUP, LLC EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $13K |
| COURY HEALTH SERVICES, LLC EIN 25-1692664 BROKER | Insurance agents and brokers Service code 22 | — | $12K |
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 | 34 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 35 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 34 | $19K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 35 | $21K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 35 | $8K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 35 | $10K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 35 | $209K |
| Other(5 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 35 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 35 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.