| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PENTRA LLC3 | 1041 OLD CASSATT RD BERWYN, PA 193121152 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $2K | $7K | 7.44% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC DBA PENTRA LLC | 1041 OLD CASSATT RD BERWYN, PA 19312 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 7.50% |
| NATIONAL BENEFIT CENTER3 | ATTN DENISE STEFANOFF 23825 COMMERCE PARK BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $703 | $703 | 2.84% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC DBA PENTRA LLC | 1041 OLD CASSATT RD BERWYN, PA 19312 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| NATIONAL BENEFIT CENTER3 | ATTN DENISE STEFANOFF 23825 COMMERCE PARK BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $485 | $485 | 3.57% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC DBA PENTRA LLC | 1041 OLD CASSATT RD BERWYN, PA 19312 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 14.99% |
| NATIONAL BENEFIT CENTER3 | ATTN DENISE STEFANOFF 23825 COMMERCE PARK BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $303 | $303 | 2.94% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC DBA PENTRA LLC | 1041 OLD CASSATT RD BERWYN, PA 19312 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $572 | — | $572 | 10.00% |
| NATIONAL BENEFIT CENTER3 | ATTN DENISE STEFANOFF 23825 COMMERCE PARK BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $153 | $153 | 2.68% |
| PENTRA LLC3 Filed as: PENTRA INC | 795 E LANCASTER AVENUE SUITE 210 VILLANOVA, PA 19085 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $988 | — | $988 | 20.00% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 1041 OLD CASSATT RD BERWYN, PA 19312 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $215 | $215 | 4.35% |
| INDEPENDENCE PLANNING GROUP3 Filed as: INDEPENDENCE PLANNING GROUP, L | 1767 SENTRY PKWY W STE 200 BLUE BELL, PA 19422 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5 | — | $5 | 0.10% |
| MAZZMAR LLC3 | 1767 SENTRY PKWY W STE 200 BLUE BELL, PA 19422 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5 | — | $5 | 0.10% |
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 | 179 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 16 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 195 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 22 | $5K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 211 | $93K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 211 | $93K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 177 | $19K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 182 | $25K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 40 | $10K |
| Other(4 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 177 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 211 | — |
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.