| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PENTRA LLC3 | 795 E LANCASTER AVE STE 210 VILLANOVA, PA 19085 | STANDARD INSURANCE COMPANY | $61K | $0 | $61K | 6.93% |
| PENTRA LLC Filed as: PENTRA, LLC | 920 CASSATT RD STE 202 BERWYN, PA 19312 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $18K | $7K | $25K | 7.00% |
| GCG FINANCIAL LLC Filed as: BENEFIT ADVISORS NETWORK/ALERA | 6830 COCHRAN RD SOLON, OH 44139 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $0 | $0 | 0.00% |
| NFP INSURANCE SERVICES INC Filed as: MANAGEMENT COMPENSATION GROUP/SOUTH | STE 1304 40 WALL STREET NEW YORK, NY 10005 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $24K | $7K | $30K | 19.00% |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: GALLAGHER BELMONT, A DIV OF GALLAGH | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $16K | $14K | $30K | 18.60% |
| NFP INSURANCE SERVICES INC Filed as: MANAGEMENT COMPENSATION GROUP/SOUTH | 55 BROADWAY SUITE 701 NEW YORK, NY 10006 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $21K | $21K | 13.06% |
| NFP INSURANCE SERVICES INC | BLDG 2 STE 125 1250 CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $15K | $15K | 9.50% |
| MID AMERICA GROUP A DIV OF Filed as: MID AMERICA GROUP A DIV OF GALLAGHE | TWO PIERCE PL 21ST FL ITASCA, IL 60143 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $6K | $6K | 3.96% |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 W GOLF RD 11TH FLOOR ROLLING MEADOWS, IL 60008 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $0 | $6K | 3.96% |
| NFP INSURANCE SERVICES INC Filed as: MANAGEMENT COMPENSATION GROUP/SOUTH | STE 1304 40 WALL ST NEW YORK, NY 10005 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $20K | $6K | $25K | 18.67% |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: GALLAGHER BELMONT, A DIV OF GALLAGH | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $13K | $12K | $25K | 18.27% |
| NFP INSURANCE SERVICES INC Filed as: MANAGEMENT COMPENSATION GROUP/SOUTH | 55 BROADWAY SUITE 701 NEW YORK, NY 10006 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $17K | $17K | 12.81% |
| NFP INSURANCE SERVICES INC | BLDG 2 STE 125 1250 CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $13K | $13K | 9.34% |
| MID AMERICA GROUP A DIV OF Filed as: MID AMERICA GROUP A DIV OF GALLAGHE | TWO PIERCE PL 21ST FL ITASCA, IL 60143 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $5K | $5K | 3.89% |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 W GOLF RD 11TH FLOOR ROLLING MEADOWS, IL 60008 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $0 | $5K | 3.89% |
| NFP INSURANCE SERVICES INC Filed as: MANAGEMENT COMPENSATION GROUP/SOUTH | STE 1304 40 WALL ST NEW YORK, NY 10005 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $3K | $845 | $4K | 18.75% |
| NFP INSURANCE SERVICES INC Filed as: MANAGEMENT COMP GROUP/SE INC | 55 BROADWAY SUITE 701 NEW YORK, NY 10006 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $0 | $3K | $3K | 12.90% |
| MID AMERICA GROUP A DIV OF Filed as: MID AMERICA GROUP A DIV OF GALLAGHE | TWO PIERCE PL 21ST FL ITASCA, IL 60143 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $2K | $0 | $2K | 9.76% |
| NFP INSURANCE SERVICES INC | BLDG 2 STE 125 1250 CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $0 | $2K | $2K | 9.37% |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: GALLAGHER BELMONT, A DIV OF GALLAGH | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $0 | $2K | $2K | 8.60% |
| PENTRA LLC Filed as: PENTRA, LLC | 202 920 CASSATT RD BERWYN, PA 19312 | FIRST UNUM LIFE INSURANCE COMPANY | $280 | $112 | $392 | 6.99% |
| GCG FINANCIAL LLC Filed as: BENEFIT ADVISORS NETWORK/ALERA | 6830 COCHRAN RD SOLON, OH 44139 | FIRST UNUM LIFE INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
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 | 1,334 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,334 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Long-term disability(6 contracts, 5 carriers) | STANDARD INSURANCE COMPANY | 1,334 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,334 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.