| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PENTRA LLC3 Filed as: PENTRA, LLC | 1041 OLD CASSATT RD BERWYN, PA 193121152 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | $36K | $37K | 2.51% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP MECHANICSBURG | 4550 LENA DR MECHANICSBURG, PA 170554922 | UNITEDHEALTHCARE INSURANCE COMPANY | $16K | — | $16K | 1.08% |
| PENTRA LLC3 | 1041 OLD CASSATT RD BERWYN, PA 19312 | DELTA DENTAL OF PENNSYLVANIA | $3K | — | $3K | 5.00% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC DBA PENTRA LLC | 1041 OLD CASSATT RD BERWYN, PA 19312 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $757 | $4K | 18.26% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK EAST DR STE 350 BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $649 | $649 | 2.79% |
| 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 | $545 | $3K | 18.43% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK EAST DR STE 350 BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $467 | $467 | 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 | $2K | $362 | $2K | 18.23% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK EAST DR STE 350 BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $310 | $310 | 2.77% |
| PENTRA LLC3 Filed as: PENTRA, LLC | TWO VILLANOVA CENTER 795 E. LANCASTER AVE., SUITE 210 VILLANOVA, PA 19085 | ZURICH AMERICAN INSURANCE COMPANY | $169 | — | $169 | 7.52% |
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 | 119 | 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) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 221 | $1.5M |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 227 | $57K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 221 | $1.5M |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 143 | $27K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 141 | $23K |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 143 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 227 | — |
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."
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.