| 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 | $34K | $0 | $34K | 10.00% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP | 3 PARKWAY NORTH, SUITE 500 DEERFIELD, IL 60015 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $6K | $6K | 1.67% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $2K | $2K | 0.50% |
| PENTRA LLC4 | 795 E. LANCASTER AVE., SUITE 210 VILLANOVA, PA 19085 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $15K | $0 | $15K | 10.50% |
| PENTRA LLC3 | 1041 OLD CASSATT RD BERWYN, PA 193121152 | METROPOLITAN LIFE INSURANCE COMPANY | $28K | $2K | $30K | 21.39% |
| 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 | $13K | $0 | $13K | 10.04% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $222 | $4K | 3.52% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 200 E RANDOLPH ST STE 900 CHICAGO, IL 606016420 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $202 | $202 | 0.18% |
| PENTRA LLC3 | 795 E. LANCASTER AVE., SUITE 210 VILLANOVA, PA 190851525 | METROPOLITAN LIFE INSURANCE COMPANY | $18K | — | $18K | 20.18% |
| PENTRA LLC3 | 1041 OLD CASSATT RD BERWYN, PA 193121152 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.76% |
| PENTRA LLC3 | 795 E. LANCASTER AVE., SUITE 210 VILLANOVA, PA 19085 | NEW YORK LIFE GROUP INSURANCE CO. OF NEW YORK | $3K | $0 | $3K | 23.39% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | NEW YORK LIFE GROUP INSURANCE CO. OF NEW YORK | $0 | $196 | $196 | 1.61% |
| 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 | $47 | $47 | 0.39% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 CLAIMS ADMINISTRATOR | Contract Administrator; Non-monetary compensation; Other services; Direct payment from the plan; Claims processing; Named fiduciary; Participant communication; Float revenue Service code 12 | — | $732K |
| DELTA DENTAL OF PENNSYLVANIA EIN 23-1667011 CONTRACT ADMINISTRATOR | Contract Administrator; Claims processing; Direct payment from the plan; Participant communication Service code 12 | — | $96K |
| HEALTH ADVOCATE SOLUTIONS INC. EIN 23-3080019 CONTRACT ADMINISTRATOR | Claims processing; Participant communication; Direct payment from the plan Service code 12 | 3043 WALTON ROAD PLYMOUTH MEETING, PA 19462 | $27K |
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 | 1,586 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 437 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,023 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 661 | $230K |
| Vision | EYEMED VISION CARE ON BEHALF OF THE COMBINED INSURANCE CO OF AMERICA | 2,181 | $134K |
| Life insurance(3 contracts, 2 carriers) | PENN MUTUAL LIFE INSURANCE COMPANY | 1,372 | $869K |
| Long-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,011 | $487K |
| Other | NEW YORK LIFE GROUP INSURANCE CO. OF NEW YORK | 38 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,181 | — |
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.