| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FLEXIBLE BENEFIT PLANS, INC.3 | A HUB INTERNATIONAL VALLEY FORGE COMMONS VALLEY FORGE, PA 19482 | INDEPENDENCE BLUE CROSS | $48K | $4K | $51K | 4.44% |
| FLEXIBLE BENEFIT PLANS, INC.3 | A HUB INTERNATIONAL VALLEY FORGE COMMONS VALLEY FORGE, PA 19482 | INDEPENDENCE BLUE CROSS | $17K | $4K | $20K | 4.45% |
| PENTRA LLC3 | 1041 OLD CASSATT RD BERWYN, PA 19312 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 9.76% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 301 PARKWAY NORTH STE 500 DEERFIELD, IL 60015 | STANDARD INSURANCE COMPANY | $0 | $918 | $918 | 2.00% |
| PENTRA LLC3 | 1041 OLD CASSATT RD BERWYN, PA 19312 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 7.01% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 301 PARKWAY NORTH STE 500 DEERFIELD, IL 60015 | STANDARD INSURANCE COMPANY | $0 | $746 | $746 | 1.99% |
| PENTRA LLC3 | 1041 OLD CASSATT RD BERWYN, PA 19312 | VISION SERVICE PLAN | $924 | — | $924 | 6.20% |
| PENTRA LLC3 Filed as: PENTRA INC | 1041 OLD CASSATT RD BERWYN, PA 19312 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $707 | — | $707 | 14.99% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVE STATEN ISLAND, NY 10314 | FEDERAL INSURANCE COMPANY | $0 | $597 | $597 | 20.01% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 1041 OLD CASSATT ROAD BERWYN, PA 19312 | FEDERAL INSURANCE COMPANY | $447 | — | $447 | 14.98% |
| PENTRA LLC3 Filed as: PENTRA INC | 1041 OLD CASSATT RD BERWYN, PA 19312 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $281 | — | $281 | 15.00% |
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 | 142 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 145 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | INDEPENDENCE BLUE CROSS | 164 | $1.2M |
| Vision | VISION SERVICE PLAN | 100 | $15K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 131 | $39K |
| Long-term disability | STANDARD INSURANCE COMPANY | 131 | $46K |
| Prescription drug | INDEPENDENCE BLUE CROSS | 160 | $459K |
| Other(4 contracts, 4 carriers) | STANDARD INSURANCE COMPANY | 145 | $47K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 164 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.