| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GORDON W ST JOHN3 | 795 E LANCASTER AVE STE 210 VILLANOVA, PA 190851525 | KAISER FOUNDATION HEALTH PLAN, INC. | $18K | — | $18K | 2.69% |
| PENTRA LLC3 | 1041 OLD CASSATT RD BERWYN, PA 19312 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $24K | — | $24K | 4.00% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $10K | $10K | 1.74% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $3K | $3K | 0.50% |
| PENTRA LLC3 | 1041 OLD CASSATT RD BERWYN, PA 19312 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $20K | — | $20K | 4.00% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $11K | $11K | 2.24% |
| GORDON W ST JOHN3 | 795 E LANCASTER AVE STE 210 VILLANOVA, PA 190851525 | KAISER FOUNDATION HEALTH PLAN, INC. | $11K | — | $11K | 2.74% |
| PENTRA LLC3 | 795 E LANCASTER AVE 2 VILLANOVA CTR # 210 VILLANOVA, PA 19085 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $39K | — | $39K | 16.25% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $5K | $5K | 2.17% |
| PENTRA LLC3 Filed as: PENTRA, LLC | 795 E. LANCASTER AVE #210 VILLANOVA, PA 19085 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $12K | — | $12K | 5.85% |
| PENTRA LLC3 | 1041 OLD CASSATT RD BERWYN, PA 19312 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 4.00% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $3K | $3K | 1.74% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $1K | $1K | 0.51% |
| PENTRA LLC3 | 795 E LANCASTER AVE 2 VILLANOVA CTR # 210 VILLANOVA, PA 19085 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $25K | — | $25K | 16.29% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $4K | $4K | 2.53% |
| PENTRA LLC3 | 795 E LANCASTER AVE 2 VILLANOVA CTR # 210 VILLANOVA, PA 19085 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $21K | — | $21K | 16.26% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $3K | $3K | 2.17% |
| PENTRA LLC3 | 1041 OLD CASSATT RD BERWYN, PA 19312 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 4.00% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $1K | $1K | 1.75% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $401 | $401 | 0.50% |
| PENTRA LLC3 Filed as: PENTRA, LLC | 1041 OLD CASSATT ROAD BERWYN, PA 19312 | METLIFE LEGAL PLANS | $3K | — | $3K | 6.65% |
| PENTRA LLC3 Filed as: PENTRA, INC. | 795 EAST LANCASTER AVENUE SUITE 210 VILLANOVA, PA 19085 | METLIFE LEGAL PLANS | $2K | $631 | $2K | 4.68% |
| PENTRA LLC3 Filed as: PENTRA, LLC | 795 E. LANCASTER AVE #210 VILLANOVA, PA 19085 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $216 | — | $216 | 5.85% |
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 | 3,465 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 48 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 33 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,546 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 2,385 | $1.6M |
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 4,283 | $203K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 4,250 | $510K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 790 | $199K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,479 | $594K |
| Other(8 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 4,250 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,283 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.