| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PENTRA LLC3 | 795 E. LANCASTER AVE., STE. 210 VILLANOVA, PA 19085 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $34K | $34K | 1.45% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW ENGLAND, LLC | 2000 CHAPEL VIEW BLVD., STE 240 CRANSTON, RI 02920 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $10K | $10K | 0.43% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW ENGLAND, LLC | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | EYEMED VISION CARE | $916 | — | $916 | 7.28% |
| PENTRA LLC3 Filed as: PENTRA, LLC | 795 E. LANCASTER AVE., STE. 210 VILLANOVA, PA 19085 | EYEMED VISION CARE | $438 | — | $438 | 3.48% |
| PENTRA LLC3 | 795 E. LANCASTER AVE., STE. 210 VILLANOVA, PA 19085 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 11.00% |
| PENTRA LLC3 | 795 E. LANCASTER AVE., STE. 210 VILLANOVA, PA 19085 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $665 | — | $665 | 14.99% |
| PENTRA LLC3 | 795 E LANCASTER AVE., STE. 210 VILLANOVA, PA 19085 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $84 | — | $84 | 11.95% |
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 | 204 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 205 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 218 | $2.4M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 218 | $2.4M |
| Vision | EYEMED VISION CARE | 260 | $13K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 204 | $12K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 204 | $4K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 204 | $703 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 260 | — |
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.