| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PENTRA LLC3 Filed as: PENTRA, LLC | 795 E LANCASTER AVE STE 210 VILLANOVA, PA 19085 | HARTFORD LIFE AND ACCIDENT | $6K | $59 | $6K | 9.89% |
| PENTRA LLC3 Filed as: PENTRA INC | 795 E LANCASTER AVE STE 210 VILLANOVA, PA 19085 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 15.00% |
| PENTRA LLC3 Filed as: PENTRA INC | 795 E LANCASTER AVE STE 210 VILLANOVA, PA 19085 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $518 | $0 | $518 | 13.75% |
| BENEFIT ADVISORS NETWORK LLC3 Filed as: BENEFIT ADVISORS NETWORK | 6830 COCHRAN RD SOLON, OH 44139 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $142 | $142 | 3.77% |
| PENTRA LLC3 Filed as: PENTRA INC | 795 EAST LANCASTER AVENUE SUITE 210 VILLANOVA, PA 19085 | ARCH INSURANCE COMPANY | $0 | $0 | $0 | — |
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 | 136 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 136 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 174 | $65K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 174 | $62K |
| Other(4 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 174 | $72K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 174 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.