| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SPECIAL RISK INSURANCE SERVICES INC3 Filed as: SPECIAL RISK INSURANCE | P.O. BOX 1108 VOORHEES, NJ 08043 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $33K | — | $33K | 10.00% |
| AON CONSULTING INC3 Filed as: AON HEWITT CONSULTING GROUP | 29840 NETWORK PLACE CHICAGO, IL 60673 | EYEMED VISION CARE ON BEHALF OF THE COMBINED INSURANCE CO OF AMERICA | $8K | — | $8K | 5.03% |
| PENTRA LLC3 Filed as: PENTRA, LLC | 795 E. LANCASTER AVE., SUITE 210 VILLANOVA, PA 19085 | EYEMED VISION CARE ON BEHALF OF THE COMBINED INSURANCE CO OF AMERICA | $8K | — | $8K | 5.03% |
| PENTRA LLC3 Filed as: PENTRA, INC AKA INTEGRATED BEN SVCS | 795 E. LANCASTER AVE., SUITE 210 VILLANOVA, PA 19085 | METROPOLITAN LIFE INSURANCE COMPANY | $25K | $211 | $26K | 26.43% |
| PENTRA LLC3 Filed as: PENTRA, INC AKA INTEGRATED BEN SVCS | 795 E. LANCASTER AVE., SUITE 210 VILLANOVA, PA 19085 | METROPOLITAN LIFE INSURANCE COMPANY | $22K | $211 | $22K | 26.84% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $179 | $3K | 3.75% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 220 W. MAIN ST., STE 1800 LOUISVILLE, KY 402021382 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 1.60% |
| BRIAN D SCHRECK3 | 5940 E CENTRAL WICHITA, KS 67208 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 6.31% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 151 FARMINGTON AVE. HARTFORD, CT 06156 | $860K |
| DELTA DENTAL OF PENNSYLVANIA EIN 23-1667011 CONTRACT ADMINISTRATOR | Claims processing; Contract Administrator; Direct payment from the plan; Participant communication Service code 12 | — | $114K |
| WEST HEALTH ADVOCATE SOLUTIONS INC. EIN 23-3080019 CONTRACT ADMINISTRATOR | Participant communication; Claims processing; Contract Administrator; Direct payment from the plan Service code 12 | 11808 MIRACLE HILLS DRIVE OMAHA, NE 68154 | $16K |
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 | 1,733 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,733 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 602 | $180K |
| Vision | EYEMED VISION CARE ON BEHALF OF THE COMBINED INSURANCE CO OF AMERICA | 2,293 | $155K |
| Life insurance(3 contracts, 2 carriers) | PENN MUTUAL LIFE INSURANCE COMPANY | 1,381 | $825K |
| Long-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,034 | $411K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,293 | — |
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.