| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PENTRA LLC4 | 795 E. LANCASTER AVE., SUITE 210 VILLANOVA, PA 19085 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $32K | $10K | $42K | 13.17% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP | 3 PARKWAY NORTH, SUITE 500 DEERFIELD, IL 60015 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $6K | $6K | 2.00% |
| PENTRA LLC4 | 795 E. LANCASTER AVE., SUITE 210 VILLANOVA, PA 19085 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $13K | $4K | $17K | 14.04% |
| PENTRA LLC3 | 1041 OLD CASSATT RD BERWYN, PA 193121152 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | $1K | $17K | 20.16% |
| PENTRA LLC3 | 795 E. LANCASTER AVE., SUITE 210 VILLANOVA, PA 19085 | NEW YORK LIFE GROUP INSURANCE CO. OF NEW YORK | $918 | $0 | $918 | 9.08% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP | 3 PARKWAY NORTH, SUITE 500 DEERFIELD, IL 60015 | NEW YORK LIFE GROUP INSURANCE CO. OF NEW YORK | $0 | $202 | $202 | 2.00% |
| PENTRA LLC3 | 1041 OLD CASSATT RD BERWYN, PA 193121152 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $652 | $5K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 CLAIMS ADMINISTRATOR | Non-monetary compensation; Claims processing; Contract Administrator; Named fiduciary; Float revenue; Participant communication; Other services; Direct payment from the plan Service code 12 | — | $1.1M |
| DELTA DENTAL OF PENNSYLVANIA EIN 23-1667011 CONTRACT ADMINISTRATOR | Direct payment from the plan; Contract Administrator; Claims processing; Participant communication Service code 12 | — | $97K |
| HEALTH ADVOCATE SOLUTIONS INC. EIN 23-3080019 CONTRACT ADMINISTRATOR | Direct payment from the plan; Participant communication; Claims processing Service code 12 | 3043 WALTON ROAD PLYMOUTH MEETING, PA 19462 | $28K |
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 | 1,593 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 426 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 2,019 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 660 | $85K |
| Vision | EYEMED VISION CARE ON BEHALF OF THE COMBINED INSURANCE CO OF AMERICA | 1,615 | $132K |
| Life insurance(2 contracts) | PENN MUTUAL LIFE INSURANCE COMPANY | 1,417 | $887K |
| Long-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,056 | $445K |
| Other | NEW YORK LIFE GROUP INSURANCE CO. OF NEW YORK | 34 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,615 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.