| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FLEXIBLE BENEFIT PLANS, INC.3 Filed as: FLEXIBLE BENEFIT PLANS, LLC | 401 BROADHOLLOW ROAD MELVILLE, NY 11747 | INDEPENDENCE ASSURANCE COMPANY | $59K | $5K | $64K | 3.98% |
| PENTRA LLC3 | 1041 OLD CASSATT RD BERWYN, PA 193121152 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $10K | — | $10K | 5.42% |
| FLEXIBLE BENEFIT PLANS, INC.3 Filed as: FLEXIBLE BENEFIT PLANS, LLC | 401 BROADHOLLOW ROAD MELVILLE, NY 11747 | QCC INSURANCE COMPANY | $0 | $737 | $737 | 0.88% |
| PENTRA LLC3 Filed as: PENTRA, LLC | 1041 OLD CASSATT ROAD BERWYN, PA 19312 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $1K | $8K | 12.02% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.63% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $307 | $307 | 0.49% |
| PENTRA LLC3 Filed as: PENTRA, LLC | 1041 OLD CASSATT ROAD BERWYN, PA 19312 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $1K | $7K | 12.05% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $965 | $965 | 1.67% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $292 | $292 | 0.50% |
| PENTRA LLC3 Filed as: PENTRA, LLC | 1041 OLD CASSATT ROAD BERWYN, PA 19312 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $1K | $6K | 12.02% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $836 | $836 | 1.63% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $250 | $250 | 0.49% |
| PENTRA LLC3 Filed as: PENTRA, LLC | 1041 OLD CASSATT ROAD BERWYN, PA 19312 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $407 | $3K | 17.09% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $346 | $346 | 1.78% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $111 | $111 | 0.57% |
| PENTRA LLC3 Filed as: PENTRA, LLC | 1041 OLD CASSATT ROAD BERWYN, PA 19312 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $351 | $3K | 15.03% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $289 | $289 | 1.67% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $94 | $94 | 0.54% |
| PENTRA LLC3 Filed as: PENTRA, LLC | 1041 OLD CASSATT ROAD BERWYN, PA 19312 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $268 | $2K | 17.07% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $226 | $226 | 1.75% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $83 | $83 | 0.64% |
| PENTRA LLC3 Filed as: PENTRA, LLC | 1041 OLD CASSATT ROAD BERWYN, PA 19312 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $177 | $2K | 16.91% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $142 | $142 | 1.53% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $40 | $40 | 0.43% |
| PENTRA LLC3 Filed as: PENTRA, LLC | 1041 OLD CASSATT ROAD BERWYN, PA 19312 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $206 | $30 | $236 | 17.18% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $25 | $25 | 1.82% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $10 | $10 | 0.73% |
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 | 158 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 163 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | INDEPENDENCE ASSURANCE COMPANY | 253 | $1.7M |
| Dental | RELIANCE STANDARD LIFE INSURANCE COMPANY | 316 | $183K |
| Vision | RELIANCE STANDARD LIFE INSURANCE COMPANY | 316 | $183K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 146 | $75K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 146 | $63K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 146 | $51K |
| Prescription drug | QCC INSURANCE COMPANY | 39 | $84K |
| Other(6 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 146 | $118K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 316 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.