| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PENTRA LLC3 Filed as: PENTRA, LLC | TWO VILLANOVA CENTER 795 E LANCASTER AVE VILLANOVA, PA 19085 | AETNA LIFE INSURANCE COMPANY | $0 | $29K | $29K | 4.20% |
| PENTRA LLC3 | 795 E LANCASTER AVE SUTE 210 VILLANOVA, PA 19085 | DELTA DENTAL OF PENNSYLVANIA | $3K | $0 | $3K | 6.22% |
| PENTRA LLC3 Filed as: PENTRA, LLC | TWO VILLANOVA CENTER 795 E. LANCASTER AVENUE, SUITE 210 VILLANOVA, PA 19085 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $0 | $3K | 15.00% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $220 | $220 | 1.17% |
| PENTRA LLC3 Filed as: PENTRA, LLC | TWO VILLANOVA CENTER 795 E. LANCASTER AVENUE, SUITE 210 VILLANOVA, PA 19085 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 15.00% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $169 | $169 | 1.17% |
| PENTRA LLC3 Filed as: PENTRA, LLC | TWO VILLANOVA CENTER 795 E. LANCASTER AVENUE, SUITE 210 VILLANOVA, PA 19085 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 15.00% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $143 | $143 | 1.19% |
| PENTRA LLC3 Filed as: PENTRA, LLC | 795 E. LANCASTER AVE #210 VILLANOVA, PA 19085 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $843 | $0 | $843 | 10.82% |
| PENTRA LLC3 Filed as: PENTRA, LLC | TWO VILLANOVA CENTER 795 E. LANCASTER AVENUE, SUITE 210 VILLANOVA, PA 19085 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $261 | $0 | $261 | 15.00% |
| PENTRA LLC3 Filed as: PENTRA, LLC | TWO VILLANOVA CENTER 795 E. LANCASTER AVENUE, SUITE 210 VILLANOVA, PA 19085 | RELIANCE STANDARD LIFE 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 | 128 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 120 | $694K |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 131 | $46K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 107 | $8K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 128 | $12K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 83 | $19K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 83 | $14K |
| Other(3 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 128 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 131 | — |
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.