| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PENTRA LLC3 | 1041 OLD CASSATT RD BERWYN, PA 193121152 | UNITEDHEALTHCARE INSURANCE COMPANY | $93K | — | $93K | 4.01% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC NJ NY | 1787 SENTRY PKWY W VEVA 16 STE 320 BLUE BELL, PA 194222240 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $22K | $22K | 0.96% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC NJ NY | 1787 SENTRY PKWY W VEVA 16 STE 320 BLUE BELL, PA 194222240 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 5.00% |
| PENTRA LLC3 | 1041 OLD CASSATT RD BERWYN, PA 193121152 | UNITEDHEALTHCARE INSURANCE COMPANY | $625 | — | $625 | 0.84% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO | 669 RIVER DRIVE CENTER II # 305 ELMWOOD PARK, NJ 07407 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $235 | $235 | 0.31% |
| INTEGRATED BENEFIT SERVICES INC3 | 795 E LANCASTER AVE # 210 VILLANOVA, PA 190851500 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $162 | $162 | 0.22% |
| COBB B LLC3 | DBA LAMB FINANCIAL GROUP 370 LEXINGTON AVE RM 608 NEW YORK, NY 100176591 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| PENTRA LLC3 Filed as: PENTRA, LLC | 1041 OLD CASSATT RD BERWYN, PA 193121525 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| PENTRA LLC3 | 1041 OLD CASSATT RD BERWYN, PA 19312 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | $125 | $3K | 15.75% |
| EMERSON REID LLC3 | STE 320 1787 SENTRY PWKY W VEVA 16 BLUE BELL, PA 19422 | FIRST UNUM LIFE INSURANCE COMPANY | $832 | — | $832 | 5.00% |
| BENEFIT ADVISORS NETWORK LLC3 Filed as: BENEFIT ADVISORS NETWORK | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | FIRST UNUM LIFE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| PENTRA LLC3 | 1041 OLD CASSATT RD BERWYN, PA 19312 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $600 | — | $600 | 9.99% |
| BENEFIT ADVISORS NETWORK LLC3 Filed as: BENEFIT ADVISORS NETWORK | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| PENTRA LLC3 | 1041 OLD CASSATT RD BERWYN, PA 19312 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | $71 | $1K | 268.90% |
| BENEFIT ADVISORS NETWORK LLC3 Filed as: BENEFIT ADVISORS NETWORK | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | FIRST UNUM LIFE INSURANCE COMPANY | $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 | 249 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 256 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 193 | $2.3M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 218 | $75K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 218 | $75K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 261 | $39K |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 14 | $17K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 33 | $553 |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 261 | $45K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 261 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.