| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PENTRA LLC3 Filed as: PENTRA INC. | 290 KING OF PRUSSIA ROAD BUILDING ONE, SUITE 200 WAYNE, PA 19087 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $23K | $0 | $23K | 1.96% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST | P.O. BOX 32090 NEW YORK, NY 10087 | UNITED CONCORDIA INSURANCE COMPANY | $838 | $0 | $838 | 1.22% |
| PENTRA LLC3 Filed as: PENTRA, INC | 795 E LANCASTER AVE SUITE 210 VILLANOVA, PA 19085 | UNITED CONCORDIA INSURANCE COMPANY | $545 | $0 | $545 | 0.80% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST, INC | P.O. BOX 32090 NEW YORK, NY 10087 | UNITED CONCORDIA INSURANCE COMPANY | -$1 | $0 | -$1 | -0.00% |
| PENTRA LLC3 Filed as: PENTRA, LLC | 795 E LANCASTER AVE STE 210 VILLANOVA, PA 19085 | HARTFORD LIFE AND ACCIDENT | $543 | $0 | $543 | 14.99% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INSURANCE | SERVICES WEST 801 S FIGUEROA STREET SUITE 800 LOS ANGELES, CA 90017 | HARTFORD LIFE AND ACCIDENT | $0 | $103 | $103 | 2.84% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PENNSYLVANIA, INC. | 1100 MATSONFORD ROAD BUILDING 5, SUITE 200 RADNOR, PA 19087 | GERBER LIFE INSURANCE COMPANY | $79 | $0 | $79 | 4.36% |
| PENTRA LLC3 Filed as: PENTRA, LLC | TWO VILLANOVA CENTER 795 E. LANCASTER AVE., STE. 210 VILLANOVA, PA 19085 | GERBER LIFE INSURANCE COMPANY | $57 | $0 | $57 | 3.15% |
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 | 135 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAPITAL ADVANTAGE ASSURANCE COMPANY | 170 | $1.2M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 228 | $69K |
| Vision | CAPITAL ADVANTAGE ASSURANCE COMPANY | 169 | $11K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 154 | $4K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 154 | $4K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 154 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 228 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.