| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PENTRA LLC3 Filed as: PENTRA, LLC | TWO VILLANOVA CENTER VILLANOVA, PA 19085 | AETNA LIFE INSURANCE COMPANY | — | $29K | $29K | 4.77% |
| PENTRA LLC3 Filed as: PENTRA, LLC | TWO VILLANOVA CENTER VILLANOVA, PA 19085 | AETNA LIFE INSURANCE COMPANY | — | $1K | $1K | 0.21% |
| PENTRA LLC3 | 1041 OLD CASSATT RD BERWYN, PA 19312 | DELTA DENTAL OF PENNSYLVANIA | $2K | — | $2K | 5.00% |
| PENTRA LLC3 Filed as: PENTRA, LLC | 1041 OLD CASSATT ROAD BERWYN, PA 19312 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $270 | $3K | 16.68% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $225 | $225 | 1.40% |
| PENTRA LLC3 Filed as: PENTRA, LLC | 1041 OLD CASSATT ROAD BERWYN, PA 19312 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $210 | $2K | 16.64% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $175 | $175 | 1.37% |
| PENTRA LLC3 Filed as: PENTRA, LLC | 1041 OLD CASSATT ROAD BERWYN, PA 19312 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $165 | $2K | 16.70% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $138 | $138 | 1.42% |
| PENTRA LLC3 Filed as: PENTRA, LLC | 795 E. LANCASTER AVE #210 VILLANOVA, PA 19085 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $666 | — | $666 | 8.55% |
| PENTRA LLC3 Filed as: PENTRA, LLC | 1041 OLD CASSATT ROAD BERWYN, PA 19312 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $502 | $48 | $550 | 16.43% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $56 | $56 | 1.67% |
| PENTRA LLC3 Filed as: PENTRA, LLC | 1041 OLD CASSATT ROAD BERWYN, PA 19312 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $285 | $26 | $311 | 16.39% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $31 | $31 | 1.63% |
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 | 105 | 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) | 107 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 113 | $606K |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 111 | $46K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 105 | $8K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 115 | $10K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 87 | $16K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 87 | $13K |
| Other(3 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 115 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 115 | — |
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.