| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PENTRA LLC3 | 795 E LANCASTER AVE 2 VILLANOVA CTR #210 VILLANOVA, PA 19406 | AETNA LIFE INSURANCE COMPANY | $29K | $0 | $29K | 6.99% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, A MARSH AND MCLENNAN | AGENCY, LLC 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | AETNA LIFE INSURANCE COMPANY | $9K | $0 | $9K | 2.31% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, A MARSH AND MCLENNAN | AGENCY, LLC 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | AETNA LIFE INSURANCE COMPANY | $3K | $17 | $3K | 2.24% |
| GORDON W ST JOHN3 | 795 E LANCASTER AVE VILLANOVA, PA 19085 | AETNA LIFE INSURANCE COMPANY | $722 | $0 | $722 | 0.54% |
| PENTRA LLC3 | 795 E LANCASTER AVE 2 VILLANOVA CTR #210 VILLANOVA, PA 19082 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $6K | $2K | $8K | 13.25% |
| PENTRA LLC3 | 795 E LANCASTER AVE 2 VILLANOVA CTR #210 VILLANOVA, PA 19085 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $4K | $1K | $5K | 13.41% |
| PENTRA LLC3 | 795 E LANCASTER AVE 2 VILLANOVA CTR #210 VILLANOVA, PA 19085 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $1K | $355 | $1K | 13.44% |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE COMPANY | 0 | $133K |
| Vision | AETNA LIFE INSURANCE COMPANY | 0 | $133K |
| Life insurance | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 0 | $62K |
| Long-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 0 | $39K |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURANCE COMPANY | 0 | $411K |
| Other(2 contracts, 2 carriers) | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 12 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 12 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.