| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PENTRA LLC3 | 795 E LANCASTER AVE 2 VILLANOVA CTR # 210 VILLANOVA, PA 19085 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $37K | — | $37K | 4.00% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $18K | $18K | 2.00% |
| PENTRA LLC3 | 795 E LANCASTER AVE 2 VILLANOVA CTR # 210 VILLANOVA, PA 19085 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $34K | — | $34K | 4.00% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $17K | $17K | 2.00% |
| GORDON W ST JOHN3 | 795 E LANCASTER AVE STE 210 VILLANOVA, PA 190851525 | KAISER FOUNDATION HEALTH PLAN INC | $16K | — | $16K | 2.46% |
| GORDON W ST JOHN3 | 795 E LANCASTER AVE STE 210 VILLANOVA, PA 190851525 | KAISER FOUNDATION HEALTH PLAN INC | $10K | — | $10K | 2.11% |
| PENTRA LLC3 | 795 E LANCASTER AVE 2 VILLANOVA CTR # 210 VILLANOVA, PA 19085 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $13K | — | $13K | 4.00% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $6K | $6K | 2.00% |
| PENTRA LLC3 | 795 E LANCASTER AVE 2 VILLANOVA CTR # 210 VILLANOVA, PA 19085 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $34K | $5K | $38K | 15.73% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $4K | $4K | 1.84% |
| PENTRA LLC3 Filed as: PENTRA, LLC | 795 E. LANCASTER AVE #210 VILLANOVA, PA 19085 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $20K | — | $20K | 9.94% |
| PENTRA LLC3 | 795 E LANCASTER AVE 2 VILLANOVA CTR # 210 VILLANOVA, PA 19085 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $21K | $3K | $25K | 15.74% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $3K | $3K | 1.83% |
| PENTRA LLC3 | 795 E LANCASTER AVE 2 VILLANOVA CTR # 210 VILLANOVA, PA 19085 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $18K | $3K | $20K | 15.75% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $2K | $2K | 1.83% |
| PENTRA LLC3 | 795 E LANCASTER AVE 2 VILLANOVA CTR # 210 VILLANOVA, PA 19085 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 4.00% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $2K | $2K | 2.00% |
| PENTRA LLC3 Filed as: PENTRA, INC. | 795 EAST LANCASTER AVENUE SUITE 210 VILLANOVA, PA 19085 | METLIFE LEGAL PLANS | $5K | $992 | $6K | 12.14% |
| PENTRA LLC3 Filed as: PENTRA, LLC | 795 E. LANCASTER AVE #210 VILLANOVA, PA 19085 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $479 | — | $479 | 9.94% |
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 | 3,477 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 38 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 95 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,610 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 2,409 | $1.7M |
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 4,301 | $209K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 4,505 | $843K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 827 | $320K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,477 | $924K |
| Other(8 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 4,505 | $2.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,505 | — |
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.