| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GORDON W ST JOHN3 Filed as: GORDON W. ST JOHN | 795 E. LANCASTER AVE TWO VILLANOVA CENTER STE 210 VILLANOVA, PA 19085 | AETNA LIFE INSURANCE CO. | $97K | $0 | $97K | 2.92% |
| INTEGRATED BENEFIT SERVICES INC3 | D/B/A PENTRA INC 795 E LANCASTER AVE STE 210 VILLANOVA, PA 190851525 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $20 | $4K | 2.42% |
| PENTRA LLC3 Filed as: PENTRA | 795 E LANCASTER AVE 2 VILLANOVA CTR # 210 VILLANOVA, PA 19085 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $8K | $1K | $9K | 11.56% |
| PENTRA LLC3 Filed as: PENTRA | 795 E LANCASTER AVE 2 VILLANOVA CTR # 210 VILLANOVA, PA 19085 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $5K | $850 | $6K | 11.67% |
| PENTRA LLC3 Filed as: PENTRA | 795 E LANCASTER AVE 2 VILLANOVA CTR # 210 VILLANOVA, PA 19085 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $1K | $241 | $2K | 11.89% |
| PENTRA LLC3 | 795 E LANCASTER AVE 210 VILLANOVA, PA 19085 | WESCO INSURANCE COMPANY | $924 | $0 | $924 | 19.73% |
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 | 247 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 13 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 263 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 434 | $3.3M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 392 | $151K |
| Vision | AETNA LIFE INSURANCE CO. | 434 | $3.3M |
| Life insurance | CIGNA LIFE INSURANCE CO. OF NEW YORK | 265 | $80K |
| Short-term disability | WESCO INSURANCE COMPANY | 357 | $5K |
| Long-term disability | CIGNA LIFE INSURANCE CO. OF NEW YORK | 243 | $51K |
| Other(2 contracts) | CIGNA LIFE INSURANCE CO. OF NEW YORK | 265 | $93K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 434 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.