| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ST JOHN, GORDON3 | 795 E LANCASTER AVE STE 210 VILLANOVA, PA 19085 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $275K | $0 | $275K | 2.86% |
| PENTRA LLC3 | 795 E LANCASTER AVE STE 210 VILLANOVA, PA 19085 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $3K | $3K | 0.03% |
| PENTRA LLC3 | TWO VILLANOVA CENTER 795 E. LANCASTER AVE. VILLANOVA, PA 190851500 | AETNA LIFE INSURANCE CO. | $60K | $0 | $60K | 7.96% |
| PENTRA LLC3 Filed as: PENTRA, INC | TWO VILLANOVA CENTER 795 E. LANCASTER AVE. VILLANOVA, PA 190851500 | AETNA LIFE INSURANCE CO. | $0 | $102 | $102 | 0.01% |
| PENTRA LLC3 Filed as: PENTRA | 795 E LANCASTER AVE 2 VILLANOVA CTR # 210 VILLANOVA, PA 19085 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $11K | $0 | $11K | 10.00% |
| PENTRA LLC3 Filed as: PENTRA | 795 E LANCASTER AVE 2 VILLANOVA CTR # 210 VILLANOVA, PA 19085 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $11K | $0 | $11K | 10.00% |
| PENTRA LLC3 Filed as: PENTRA | 795 E LANCASTER AVE 2 VILLANOVA CTR # 210 VILLANOVA, PA 19085 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $7K | $0 | $7K | 10.00% |
| NICHOLAS H. LAMOTTE3 Filed as: NICHOLAS H. LA MOTTE | 795 E LANCASTER AVE STE 210 VILLANOVA, PA 190851525 | VISION SERVICE PLAN | $2K | $0 | $2K | 3.77% |
| PENTRA LLC3 Filed as: PENTRA | 795 E LANCASTER AVE 2 VILLANOVA CTR # 210 VILLANOVA, PA 19085 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $345 | $0 | $345 | 10.01% |
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 | 559 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 572 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,329 | $9.6M |
| Dental | AETNA LIFE INSURANCE CO. | 1,277 | $759K |
| Vision | VISION SERVICE PLAN | 552 | $49K |
| Life insurance | CIGNA LIFE INSURANCE CO. OF NEW YORK | 612 | $115K |
| Short-term disability | CIGNA LIFE INSURANCE CO. OF NEW YORK | 581 | $65K |
| Long-term disability | CIGNA LIFE INSURANCE CO. OF NEW YORK | 207 | $108K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,329 | $9.6M |
| Other(2 contracts) | CIGNA LIFE INSURANCE CO. OF NEW YORK | 612 | $118K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,329 | — |
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.