| 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 | $31K | $9K | $40K | 11.91% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$530 | $7K | $6K | 1.84% |
| PENTRA LLC4 | 795 E. LANCASTER AVE., SUITE 210 VILLANOVA, PA 19085 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $20K | $5K | $25K | 12.23% |
| 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 | $18K | — | $18K | 11.68% |
| PENTRA LLC3 | 795 E. LANCASTER AVE., SUITE 210 VILLANOVA, PA 19085 | METROPOLITAN LIFE INSURANCE COMPANY | $25K | $92 | $25K | 19.95% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $316 | $5K | 5.42% |
| PENTRA LLC3 | 795 E. LANCASTER AVE., SUITE 210 VILLANOVA, PA 19085 | METROPOLITAN LIFE INSURANCE COMPANY | $20K | $83 | $20K | 20.44% |
| PENTRA LLC3 | 795 E. LANCASTER AVE., SUITE 210 VILLANOVA, PA 19085 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $1K | $330 | $2K | 11.84% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | CIGNA LIFE INSURANCE CO. OF NEW YORK | — | $261 | $261 | 2.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 CLAIMS ADMINISTRATOR | Participant communication; Direct payment from the plan; Non-monetary compensation; Claims processing; Contract Administrator; Other services; Float revenue; Named fiduciary Service code 12 | — | $1.1M |
| DELTA DENTAL OF PENNSYLVANIA EIN 23-1667011 CONTRACT ADMINISTRATOR | Direct payment from the plan; Participant communication; Claims processing; Contract Administrator Service code 12 | — | $113K |
| HEALTH ADVOCATE SOLUTIONS INC. EIN 23-3080019 CONTRACT ADMINISTRATOR | Direct payment from the plan; Claims processing; Participant communication Service code 12 | 3043 WALTON ROAD PLYMOUTH MEETING, PA 19462 | $25K |
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 | 1,639 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,639 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 753 | $220K |
| Vision | EYEMED VISION CARE ON BEHALF OF THE COMBINED INSURANCE CO OF AMERICA | 2,349 | $154K |
| Life insurance(3 contracts, 2 carriers) | PENN MUTUAL LIFE INSURANCE COMPANY | 1,369 | $864K |
| Long-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,010 | $543K |
| Other | CIGNA LIFE INSURANCE CO. OF NEW YORK | 62 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,349 | — |
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.