| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PENTRA LLC3 | 795 E LANCASTER AVE 2 VILLANOVA CTR 210 VILLANOVA, PA 19085 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $11K | $4K | $15K | 14.00% |
| PENTRA LLC3 | 795 E LANCASTER AVE 2 VILLANOVA CTR 210 VILLANOVA, PA 19085 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $8K | $2K | $10K | 12.50% |
| PENTRA LLC3 | 795 E LANCASTER AVE 2 VILLANOVA CTR 210 VILLANOVA, PA 19085 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $7K | $2K | $9K | 12.67% |
| PENTRA LLC3 | 795 E LANCASTER AVE 2 VILLANOVA CTR 210 VILLANOVA, PA 19085 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $230 | $14 | $244 | 10.59% |
| PENTRA LLC3 | 795 E LANCASTER AVE 2 VILLANOVA CTR 210 VILLANOVA, PA 19085 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $38 | $9 | $47 | 12.47% |
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 | 244 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 252 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 565 | $6.7M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 565 | $6.7M |
| Vision | VISION SERVICE PLAN | 251 | $28K |
| Life insurance | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 296 | $72K |
| Short-term disability(2 contracts) | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 248 | $109K |
| Long-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 101 | $80K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 565 | $6.7M |
| Other(5 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 565 | $7.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 565 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.