| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $0 | $7K | $7K | 1.32% |
| PENTRA LLC3 | 795 E LANCASTER AVE 2 VILLANOVA CTR # 210 VILLANOVA, PA 19085 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $7K | — | $7K | 1.28% |
| PENTRA LLC3 | 795 E LANCASTER AVE 2 VILLANOVA CTR # 210 VILLANOVA, PA 19085 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | — | $10K | 2.52% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $4K | $4K | 1.01% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $0 | $3K | $3K | 2.00% |
| PENTRA LLC3 | 795 E LANCASTER AVE 2 VILLANOVA CTR # 210 VILLANOVA, PA 19085 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $760 | — | $760 | 0.50% |
| PENTRA LLC3 | 795 E LANCASTER AVE STE 200 VILLANOVA, PA 19085 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $10K | — | $10K | 16.18% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $0 | $837 | $837 | 1.33% |
| PENTRA LLC3 | 795 E LANCASTER AVE STE 200 VILLANOVA, PA 19085 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $3K | — | $3K | 15.23% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $0 | $380 | $380 | 2.00% |
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 | 724 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 76 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 800 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 1,185 | $713K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 745 | $407K |
| Other(4 contracts) | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 1,185 | $795K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,185 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.