| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTEGRATED BENEFIT SERVICES INC3 | D/B/A PENTRA INC 795 E LANCASTER AVE STE 210 VILLANOVA, PA 190851525 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $211 | $8K | 3.50% |
| PENTRA LLC3 Filed as: PENTRA | 795 E LANCASTER AVE 2 VILLANOVA CTR # 210 VILLANOVA, PA 19085 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $9K | $0 | $9K | 10.00% |
| PENTRA LLC3 Filed as: PENTRA | 795 E LANCASTER AVE 2 VILLANOVA CTR # 210 VILLANOVA, PA 19085 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $6K | $0 | $6K | 10.00% |
| PENTRA LLC3 Filed as: PENTRA, INC | TWO VILLANOVA CENTER 795 E LANCASTER AVE STE 210 VILLANOVA, PA 19085 | AETNA LIFE INSURANCE CO. | $0 | $102 | $102 | 0.31% |
| PENTRA LLC3 Filed as: PENTRA | 795 E LANCASTER AVE 2 VILLANOVA CTR # 210 VILLANOVA, PA 19085 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $2K | $0 | $2K | 10.00% |
| PENTRA LLC3 Filed as: PENTRA, LLC | 795 E LANCASTER AVE 210 VILLANOVA, PA 19085 | WESCO INSURANCE COMPANY | $2K | $0 | $2K | 16.89% |
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 | 267 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 277 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 345 | $220K |
| Vision | AETNA LIFE INSURANCE CO. | 467 | $33K |
| Life insurance | CIGNA LIFE INSURANCE CO. OF NEW YORK | 287 | $91K |
| Short-term disability | WESCO INSURANCE COMPANY | 162 | $9K |
| Long-term disability | CIGNA LIFE INSURANCE CO. OF NEW YORK | 267 | $56K |
| Other(2 contracts) | CIGNA LIFE INSURANCE CO. OF NEW YORK | 287 | $107K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 467 | — |
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.
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.