| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PENTRA LLC3 | 795 E LANCASTER AVE STE 210 VILLANOVA, PA 190851525 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $431 | $7K | 7.12% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 795 E LANCASTER AVE STE 210 VILLANOVA, PA 19085 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 7.50% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 6.21% |
| PENTRA LLC3 Filed as: PENTRA, LLC. | 795 E LANCASTER AVE STE 210 VILLANOVA, PA 19085 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 3.62% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC DBA PENTRA LLC | 795 E LANCASTER AVE STE 210 VILLANOVA, PA 19085 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 3.62% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 795 E LANCASTER AVE STE 210 VILLANOVA, PA 19085 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 15.00% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 8.86% |
| PENTRA LLC3 Filed as: PENTRA, LLC. | 795 E LANCASTER AVE STE 210 VILLANOVA, PA 19085 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $850 | $850 | 5.17% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC DBA PENTRA LLC | 795 E LANCASTER AVE STE 210 VILLANOVA, PA 19085 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $850 | $850 | 5.17% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 795 E LANCASTER AVE STE 210 VILLANOVA, PA 19085 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 15.00% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $613 | $613 | 5.54% |
| PENTRA LLC3 Filed as: PENTRA, LLC. | 795 E LANCASTER AVE STE 210 VILLANOVA, PA 19085 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $358 | $358 | 3.24% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC DBA PENTRA LLC | 795 E LANCASTER AVE STE 210 VILLANOVA, PA 19085 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $358 | $358 | 3.24% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 795 E LANCASTER AVE STE 210 VILLANOVA, PA 19085 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $578 | $0 | $578 | 10.01% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $364 | $364 | 6.30% |
| PENTRA LLC3 Filed as: PENTRA, LLC. | 795 E LANCASTER AVE STE 210 VILLANOVA, PA 19085 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $212 | $212 | 3.67% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC DBA PENTRA LLC | 795 E LANCASTER AVE STE 210 VILLANOVA, PA 19085 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $212 | $212 | 3.67% |
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 | 182 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 9 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 192 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 263 | $94K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 263 | $94K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 179 | $22K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 179 | $34K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 52 | $11K |
| Other(3 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 179 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 263 | — |
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.