| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COURY HEALTH SERVICES LLC3 Filed as: COURY HEALTH SERVICE INC | — | UNITED CONCORDIA INSURANCE COMPANY | $5K | $54 | $5K | 11.85% |
| COURY HEALTH SERVICES LLC3 Filed as: COURY HEALTH SERVICE INC | 965 GREENTREE ROAD SUITE 310 PITTSBURGH, PA 15220 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $4K | 16.15% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY NORTH BLVD STE 500 DEERFIELD, IL 60015 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 5.00% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK EAST DR STE 350 BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $830 | $830 | 3.08% |
| COURY HEALTH SERVICES LLC3 Filed as: COURY HEALTH SERVICE INC | 965 GREENTREE ROAD SUITE 310 PITTSBURGH, PA 15220 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $983 | $3K | 15.16% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY NORTH BLVD STE 500 DEERFIELD, IL 60015 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $952 | $952 | 5.00% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK EAST DR STE 350 BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $491 | $491 | 2.58% |
| COURY HEALTH SERVICES LLC3 Filed as: COURY HEALTH SERVICE LLC | 680 ANDERSEN DR STE 1 PITTSBURGH, PA 15220 | AFLAC | $337 | $0 | $337 | 3.27% |
| KHS BENEFITS LLC3 | 19 PHYLLIS DR IMPERIAL, PA 15126 | AFLAC | $248 | $0 | $248 | 2.40% |
| ELIZABETH MARIE LANGEVIN3 Filed as: ELIZABETH ANN RIFFE | — | AFLAC | $110 | $0 | $110 | 1.07% |
| ETHAN ROBERT RIFFE3 | 219 TIMBER RIDGE CT CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $87 | $0 | $87 | 0.84% |
| JACQUELINE COTTON3 | 926 LOGAN RD TARENTUM, PA 15084 | AFLAC | $54 | $0 | $54 | 0.52% |
| SMITH BENEFITS CONSULTING GROUP3 | 810 RIVER AVE STE 230 PITTSBURGH, PW 15212 | AFLAC | $34 | $0 | $34 | 0.33% |
| AMY BETH LIEBERMAN3 | 480 CHERRYHILL DR BRIDGEVILLE, PA 15017 | AFLAC | $19 | $0 | $19 | 0.18% |
| COURY HEALTH SERVICES LLC3 Filed as: COURY HEALTH SERVICE LLC | 310 GRANT ST STE 1320 PITTSBURGH, PA 15219 | AFLAC | $18 | $0 | $18 | 0.17% |
| VANESSA MARIE TROMBETTA3 | 6807 MEADE ST PITTSBURGH, PA 15208 | AFLAC | $15 | $0 | $15 | 0.15% |
| SMITH BENEFITS CONSULTING GROUP3 | 810 RIVER AVE STE 230 PITTSBURGH, PA 15212 | AFLAC | $6 | $0 | $6 | 0.06% |
| COURY HEALTH SERVICES LLC3 Filed as: COURY HEALTH SERVICE INC | 965 GREENTREE ROAD SUITE 310 PITTSBURGH, PA 15220 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $776 | $486 | $1K | 16.25% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY NORTH BLVD STE 500 DEERFIELD, IL 60015 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $388 | $388 | 5.00% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK EAST DR STE 350 BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $243 | $243 | 3.13% |
| COURY HEALTH SERVICES LLC3 Filed as: COURY HEALTH SERVICE INC | 965 GREENTREE ROAD SUITE 310 PITTSBURGH, PA 15220 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $772 | $445 | $1K | 15.76% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY NORTH BLVD STE 500 DEERFIELD, IL 60015 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $386 | $386 | 5.00% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK EAST DR STE 350 BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $222 | $222 | 2.88% |
| GCG FINANCIAL LLC3 Filed as: THE ALERA GROUP | 965 GREENTREE ROAD SUITE 310 PITTSBURGH, PA 15220 | EYEMED | $493 | $0 | $493 | 9.25% |
| COURY HEALTH SERVICES LLC3 Filed as: COURY HEALTH SERVICE LLC | 680 ANDERSEN DR STE 1 PITTSBURGH, PA 15220 | AFLAC | $17 | $0 | $17 | 3.81% |
| AMY BETH LIEBERMAN3 | 480 CHERRYHILL DR BRIDGEVILLE, PA 15017 | AFLAC | $13 | $0 | $13 | 2.91% |
| KHS BENEFITS LLC3 | 19 PHYLLIS DR IMPERIAL, PA 15126 | AFLAC | $10 | $0 | $10 | 2.24% |
| SMITH BENEFITS CONSULTING GROUP3 | 810 RIVER AVE STE 230 PITTSBURGH, PA 15212 | AFLAC | $3 | $0 | $3 | 0.67% |
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 | 106 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 40 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 148 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 130 | $42K |
| Vision | EYEMED | 81 | $5K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 105 | $35K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 47 | $19K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 65 | $8K |
| Other(4 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 105 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 130 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.