| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DISABILITY RMS5 | 300 SOUTHBOROUGH DRIVE SUITE 200 SOUTH PORTLAND, ME 041066914 | NEW YORK LIFE INSURANCE COMPANY | $0 | $12K | $12K | 16.00% |
| MARTIN, KRISTEN3 | 220 PENN AVENUE SUITE 100 SCRANTON, PA 18503 | NEW YORK LIFE INSURANCE COMPANY | $7K | $0 | $7K | 9.08% |
| PACK, MICHELLE3 | 360 MARKET STREET KINGSTON, PA 18704 | NEW YORK LIFE INSURANCE COMPANY | $693 | $0 | $693 | 0.93% |
| BENEFITS INC3 Filed as: THE BENEFITS GROUP LLC | 27 JOHNSON RD CLARKS SUMMIT, PA 184118836 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $0 | $9K | 15.00% |
| BENEFITS INC3 Filed as: THE BENEFITS GROUP LLC | 27 JOHNSON RD CLARKS SUMMIT, PA 184118836 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $0 | $8K | 15.00% |
| PENTRA LLC3 Filed as: PENTRA INC | STE 210 795 E LANCASTER AVE VILLANOVA, PA 10985 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 15.14% |
| SMITH, THOMAS, CHRISTOPHER3 | 2928 FOSTER CREIGHTON DR NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $251 | $3K | 7.91% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD - HQ | EMPLOYEE BENEFITS DEPT 55 E JACKSON BLVD #14A CHICAGO, IL 60604 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $0 | $0 | 0.00% |
| PENTRA LLC3 Filed as: PENTRA INC | 795 E LANCASTER AVENUE SUITE 210 VILLANOVA, PA 19085 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 8.71% |
| PENTRA LLC3 Filed as: PENTRA, LLC | 202 920 CASSATT RD. BERWYN, PA 19312 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $151 | $3K | 15.75% |
| GCG FINANCIAL LLC3 Filed as: BENEFIT ADVISORS NETWORK/ALERA | 6830 COCHRAN RD SOLON, OH 44139 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $0 | $0 | 0.00% |
| BENEFITS INC3 Filed as: THE BENEFITS GROUP LLC | 27 JOHNSON RD CLARKS SUMMIT, PA 184118836 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 15.00% |
| DISABILITY RMS5 | 300 SOUTHBOROUGH DRIVE SUITE 200 SOUTH PORTLAND, ME 041066914 | NEW YORK LIFE INSURANCE COMPANY | $0 | $2K | $2K | 14.00% |
| MARTIN, KRISTEN3 | 220 PENN AVENUE SUITE 100 SCRANTON, PA 18503 | NEW YORK LIFE INSURANCE COMPANY | $1K | $0 | $1K | 9.05% |
| PACK, MICHELLE3 | 360 MARKET STREET KINGSTON, PA 18704 | NEW YORK LIFE INSURANCE COMPANY | $131 | $0 | $131 | 0.94% |
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 | 418 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 22 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 442 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 175 | $34K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 273 | $23K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 433 | $94K |
| Short-term disability | NEW YORK LIFE INSURANCE COMPANY | 433 | $75K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 211 | $71K |
| Other(6 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 433 | $198K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 433 | — |
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.