| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DAVID M. BANET & ASSOCIATES3 | LIONVILLE PROFESSIONAL CENTER 45 DOWLIN FORGE ROAD EXTON, PA 19341 | KEYSTONE HEALTH PLAN EAST | $20K | $0 | $20K | 5.47% |
| DAVID M. BANET & ASSOCIATES3 | LIONVILLE PROFESSIONAL CENTER 45 DOWLIN FORGE ROAD EXTON, PA 19341 | INDEPENDENCE BLUE CROSS | $11K | $0 | $11K | 6.52% |
| PENTRA LLC3 Filed as: PENTRA INC | 795 E LANCASTER AVE SUTE 210 VILLANOVA, PA 19085 | DELTA DENTAL OF PENNSYLVANIA | $2K | $0 | $2K | 5.00% |
| PENTRA LLC3 Filed as: PENTRA, INC. | 795 E LANCASTER AVE STE 210 VILLANOVA, PA 190851525 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
| PENTRA LLC3 Filed as: PENTRA, INC. | 795 E LANCASTER AVE STE 210 VILLANOVA, PA 190851525 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 10.00% |
| PENTRA LLC3 Filed as: PENTRA, INC. | 795 E LANCASTER AVE STE 210 VILLANOVA, PA 190851525 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 10.00% |
| PENTRA LLC3 Filed as: PENTRA, INC. | AKA INTEGRATED BEN SVCS 795 E. LANCASTER AVE #210 VILLANOVA, PA 19085 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $836 | $0 | $836 | 9.86% |
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 | 133 | 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. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 133 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KEYSTONE HEALTH PLAN EAST | 79 | $538K |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 127 | $43K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 123 | $8K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 133 | $10K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 79 | $17K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 81 | $12K |
| Prescription drug | INDEPENDENCE BLUE CROSS | 34 | $34K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 133 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 133 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.