| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PENTRA LLC3 | 795 E LANCASTER AVE STE 210 VILLANOVA, PA 190851500 | UNITEDHEALTHCARE INSURANCE COMPANY | $51K | $0 | $51K | 2.92% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY W STE 320 BLUE BELL, PA 194222240 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $21K | $21K | 1.21% |
| COBB B LLC3 | DBA LAMB FINANCIAL GROUP 370 LEXINGTON AVE RM 608 NEW YORK, NY 100176591 | UNITEDHEALTHCARE INSURANCE COMPANY | $19K | $0 | $19K | 1.08% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY W VEVA 16 SUITE 320 BLUE BELL, PA 19422 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | $4K | $11K | 14.27% |
| PENTRA LLC3 | STE 220 795 EAST LANCASTER AVE VILLANOVA, PA 19085 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | $0 | $1K | 10.06% |
| EMERSON REID LLC3 | STE 320 1787 SENTRY PKWY W, VEVA 16 BLUE BELL, PA 19422 | FIRST UNUM LIFE INSURANCE COMPANY | $0 | $495 | $495 | 3.35% |
| PENTRA LLC3 | STE 210 795 E LANCASTER AVE VILLANOVA, PA 19085 | FIRST UNUM LIFE INSURANCE COMPANY | $943 | $0 | $943 | 6.76% |
| EMERSON REID LLC3 | STE 320 1787 SENTRY PKWY W, VEVA 16 BLUE BELL, PA 19422 | FIRST UNUM LIFE INSURANCE COMPANY | $0 | $314 | $314 | 2.25% |
| PENTRA LLC3 | STE 210 795 EAST LANCASTER AVE VILLANOVA, PA 19085 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | -$84 | $2K | 19.86% |
| EMERSON REID LLC3 | EMPIRE STATE BUILDING 350 FIFTH AVE STE 3700 NEW YORK, NY 10018 | FIRST UNUM LIFE INSURANCE COMPANY | $466 | $117 | $583 | 7.65% |
| BENEFIT ADVISORS NETWORK LLC3 Filed as: BENEFIT ADVISORS NETWORK | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | FIRST UNUM LIFE INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| PENTRA LLC3 | STE 210 795 EAST LANCASTER AVE VILLANOVA, PA 19085 | FIRST UNUM LIFE INSURANCE COMPANY | $860 | $0 | $860 | 11.41% |
| EMERSON REID LLC3 | STE 320 1787 SENTRY PKWY W, VEVA 16 BLUE BELL, PA 19422 | FIRST UNUM LIFE INSURANCE COMPANY | $0 | $287 | $287 | 3.81% |
| PENTRA LLC3 | 795 E LANCASTER AVE STE 210 VILLANOVA, PA 190851500 | UNITEDHEALTHCARE INSURANCE COMPANY | $371 | $0 | $371 | 7.36% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY W STE 320 BLUE BELL, PA 194222240 | UNITEDHEALTHCARE INSURANCE COMPANY | $252 | $0 | $252 | 5.00% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO | 1787 SENTRY PKWY W # 320 BLUE BELL, PA 19422 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $174 | $174 | 3.45% |
| COBB B LLC3 | DBA LAMB FINANCIAL GROUP 370 LEXINGTON AVE RM 608 NEW YORK, NY 100176591 | UNITEDHEALTHCARE INSURANCE COMPANY | $134 | $0 | $134 | 2.66% |
| PENTRA LLC3 | STE 210 795 EAST LANCASTER AVE VILLANOVA, PA 19085 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $466 | $0 | $466 | 10.90% |
| BENEFIT ADVISORS NETWORK LLC3 Filed as: BENEFIT ADVISORS NETWORK | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| PENTRA LLC3 | STE 210 795 EAST LANCASTER AVE VILLANOVA, PA 19085 | FIRST UNUM LIFE INSURANCE COMPANY | $162 | $8 | $170 | 15.71% |
| EMERSON REID LLC3 | EMPIRE STATE BUILDING 350 FIFTH AVE STE 3700 NEW YORK, NY 10018 | FIRST UNUM LIFE INSURANCE COMPANY | $54 | $0 | $54 | 4.99% |
| BENEFIT ADVISORS NETWORK LLC3 Filed as: BENEFIT ADVISORS NETWORK | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | FIRST UNUM LIFE INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| PENTRA LLC3 | STE 210 795 EAST LANCASTER AVE VILLANOVA, PA 19085 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $27 | $0 | $27 | 10.19% |
| BENEFIT ADVISORS NETWORK LLC3 Filed as: BENEFIT ADVISORS NETWORK | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
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 | 188 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 192 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 169 | $1.8M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 115 | $74K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 112 | $5K |
| Life insurance(3 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 188 | $32K |
| Short-term disability(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 6 | $9K |
| Long-term disability(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 22 | $8K |
| Other(5 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 188 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 188 | — |
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."
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.