| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ST JOHN, GORDON3 | PENTRA INC 795 E LANCASTER AVE STE 210 VILLANOVA, PA 19085 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $233K | $0 | $233K | 2.55% |
| PENTRA LLC3 Filed as: PENTRA INC | 795 E. LANCASTER AVE. SUITE 210 VILLANOVA, PA 190851500 | AETNA LIFE INSURANCE CO. | $55K | $0 | $55K | 7.86% |
| PENTRA LLC3 Filed as: PENTRA | 795 E LANCASTER AVE 2 VILLANOVA CTR # 210 VILLANOVA, PA 19085 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $11K | $4K | $15K | 13.48% |
| PENTRA LLC3 Filed as: PENTRA | 795 E LANCASTER AVE 2 VILLANOVA CTR # 210 VILLANOVA, PA 19085 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $6K | $377 | $6K | 10.68% |
| NICHOLAS H. LAMOTTE3 Filed as: NICHOLAS H. LA MOTTE | 795 E LANCASTER AVE STE 210 VILLANOVA, PA 190851525 | VISION SERVICE PLAN | $2K | $0 | $2K | 3.87% |
| PENTRA LLC3 Filed as: PENTRA | 795 E LANCASTER AVE 2 VILLANOVA CTR # 210 VILLANOVA, PA 19085 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $886 | $443 | $1K | 14.99% |
| PENTRA LLC3 Filed as: PENTRA | 795 E LANCASTER AVE 2 VILLANOVA CTR # 210 VILLANOVA, PA 19085 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $322 | $103 | $425 | 13.21% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WAGEWORKS EIN 94-3351864 NONE | Contract Administrator; Claims processing Service code 12 | — | $33K |
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 | 511 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 527 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,254 | $9.2M |
| Dental | AETNA LIFE INSURANCE CO. | 1,168 | $695K |
| Vision | VISION SERVICE PLAN | 511 | $46K |
| Life insurance | CIGNA LIFE INSURANCE CO. OF NEW YORK | 502 | $108K |
| Short-term disability | CIGNA LIFE INSURANCE CO. OF NEW YORK | 502 | $9K |
| Long-term disability | CIGNA LIFE INSURANCE CO. OF NEW YORK | 265 | $56K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,254 | $9.2M |
| Other(2 contracts) | CIGNA LIFE INSURANCE CO. OF NEW YORK | 502 | $111K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,254 | — |
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."
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.