| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PENTRA LLC3 | 1041 OLD CASSATT RD BERWYN, PA 193121152 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $3K | $10K | 7.35% |
| PENTRA LLC3 Filed as: PENTRA, LLC | TWO VILLANOVA CENTER 795 E. LANCASTER AVENUE, SUITE 210 VILLANOVA, PA 19085 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $848 | $6K | 11.74% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $303 | $303 | 0.62% |
| PENTRA LLC3 Filed as: PENTRA, LLC | TWO VILLANOVA CENTER 795 E. LANCASTER AVENUE, SUITE 210 VILLANOVA, PA 19085 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $808 | $5K | 11.75% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $288 | $288 | 0.62% |
| PENTRA LLC3 Filed as: PENTRA, LLC | TWO VILLANOVA CENTER 795 E. LANCASTER AVENUE, SUITE 210 VILLANOVA, PA 19085 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $691 | $5K | 11.74% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $247 | $247 | 0.62% |
| PENTRA LLC3 Filed as: PENTRA, LLC | TWO VILLANOVA CENTER 795 E. LANCASTER AVENUE, SUITE 210 VILLANOVA, PA 19085 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | $311 | $7K | 41.75% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $111 | $111 | 0.63% |
| PENTRA LLC3 Filed as: PENTRA, LLC | TWO VILLANOVA CENTER 795 E. LANCASTER AVENUE, SUITE 210 VILLANOVA, PA 19085 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $260 | $2K | 14.74% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $93 | $93 | 0.62% |
| PENTRA LLC3 Filed as: PENTRA, LLC | TWO VILLANOVA CENTER 795 E. LANCASTER AVENUE, SUITE 210 VILLANOVA, PA 19085 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $232 | $6K | 41.75% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $83 | $83 | 0.63% |
| PENTRA LLC3 Filed as: PENTRA, LLC | TWO VILLANOVA CENTER 795 E. LANCASTER AVENUE, SUITE 210 VILLANOVA, PA 19085 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $115 | $3K | 41.78% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $41 | $41 | 0.64% |
| PENTRA LLC3 Filed as: PENTRA, LLC | TWO VILLANOVA CENTER 795 E. LANCASTER AVENUE, SUITE 210 VILLANOVA, PA 19085 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $234 | $28 | $262 | 16.77% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $10 | $10 | 0.64% |
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 | 139 | 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. |
| Total participants (= "Plan participants" tile) | 139 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 59 | $37K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 357 | $134K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 139 | $61K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 139 | $49K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 139 | $40K |
| Other(6 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 139 | $100K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 357 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.