| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PENTRA LLC3 Filed as: PENTRA, LLC | 795 E LANCASTER AVE SUITE 210 VILLANOVA, PA 19085 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $38K | $38K | 2.01% |
| PENTRA LLC3 Filed as: PENTRA | 795 E LANCASTER AVE 2 VILLANOVA CTR #210 VILLANOVA, PA 19085 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 7.84% |
| MITCHELL B RUCKO3 | PO BOX 25 KINGSTON, NJ 08528 | AFLAC | $668 | $0 | $668 | 2.26% |
| JOSHUA PAUL GROUP INC3 | 17 OAK LN RANDOLPH, NJ 07869 | AFLAC | $347 | $0 | $347 | 1.17% |
| TIMOTHY S HUCK3 | 6 BRENDAN DR FLANDERS, NJ 07836 | AFLAC | $288 | $0 | $288 | 0.97% |
| ELAINE GAUDY3 | 290 MAIN ST APT K MADISON, NJ 07940 | AFLAC | $202 | $0 | $202 | 0.68% |
| DEBRA BURSTEIN RUCKO3 | PO BOX 25 KINGSTON, NJ 08528 | AFLAC | $199 | $0 | $199 | 0.67% |
| ALBERT SHUST3 | 200 CENTENNIAL AVE STE 105 PISCATAWAY, NJ 08854 | AFLAC | $96 | $0 | $96 | 0.32% |
| JESSICA A BOUTILETTE3 | 16 BROAD ST STE 5 WASHINGTON, NJ 07882 | AFLAC | $77 | $0 | $77 | 0.26% |
| LONA N ONGARO3 | 60 HENRY CT MOUNT ARLINGTON, NJ 07856 | AFLAC | $71 | $0 | $71 | 0.24% |
| DEBRA BURSTEIN RUCKO3 | PO BOX 25 KINGSTON, NJ 08528 | AFLAC | $48 | $0 | $48 | 0.16% |
| TARA MICHELLE D AGOSTINO3 | 87A BOORAEM AVE JERSEY CITY, NJ 07307 | AFLAC | $24 | $0 | $24 | 0.08% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN A PITUCH | 23 MORGAN DR SPARTA, NJ 07871 | AFLAC | $24 | $0 | $24 | 0.08% |
| MICHAEL A FORNARO3 | 271 US HIGHWAY 46 STE H119 FAIRFIELD, NJ 07004 | AFLAC | $13 | $0 | $13 | 0.04% |
| REY ROSTAMI3 | PO BOX 625 STOCKHOLM, NJ 07460 | AFLAC | $10 | $0 | $10 | 0.03% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN A PITUCH | 60 US HIGHWAY 46 STE 4 FAIRFIELD, NJ 07004 | AFLAC | $5 | $0 | $5 | 0.02% |
| TARA MICHELLE D AGOSTINO3 | 271 US HIGHWAY 46 STE D207 FAIRFIELD, NJ 07004 | AFLAC | $3 | $0 | $3 | 0.01% |
| PENTRA LLC3 Filed as: PENTRA, LLC | 795 E. LANCASTER AVE #210 VILLANOVA, PA 19085 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $916 | $0 | $916 | 6.05% |
| PENTRA LLC3 Filed as: PENTRA, INC. | 795 E. LANCASTER AVE #210 VILLANOVA, PA 19085 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $600 | $0 | $600 | 3.96% |
| PENTRA LLC3 Filed as: PENTRA | 795 E LANCASTER AVE 2 VILLANOVA CTR #210 VILLANOVA, PA 19085 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 15.00% |
| PENTRA LLC3 Filed as: PENTRA | 795 E LANCASTER AVE 2 VILLANOVA CTR #210 VILLANOVA, PA 19085 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $208 | $0 | $208 | 11.98% |
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 | 185 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 188 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 253 | $1.9M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 353 | $15K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 234 | $32K |
| Short-term disability | AFLAC | 38 | $30K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 203 | $11K |
| Other(4 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 234 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 353 | — |
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.