| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PENTRA LLC3 Filed as: PENTRA, LLC | 795 E LANCASTER AVE STE 210 VILLANOVA, PA 190851525 | UNITEDHEALTHCARE INSURANCE COMPANY | $41K | $0 | $41K | 5.52% |
| INTEGRATED BENEFIT SERVICES INC3 | 795 E LANCASTER AVE # 210 VILLANOVA, PA 190851500 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $793 | $793 | 0.11% |
| DONALD C SAVOY INC3 Filed as: DONALD C SAVOY INC PA | 25B HANOVER RD STE 220 FLORHAM PARK, NJ 079321443 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $700 | $700 | 0.09% |
| PENTRA LLC3 | 795 E LANCASTER AVE #210 VILLANOVA, PA 19085 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 12.90% |
| PENTRA LLC3 | 795 E LANCASTER AVE #210 VILLANOVA, PA 19085 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $254 | $0 | $254 | 2.10% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK SUITE A BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $129 | $129 | 1.07% |
| PENTRA LLC3 | 795 E LANCASTER AVE #210 VILLANOVA, PA 19085 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $987 | $0 | $987 | 12.69% |
| PENTRA LLC3 | 795 E LANCASTER AVE #210 VILLANOVA, PA 19085 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $180 | $0 | $180 | 2.31% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK SUITE A BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $83 | $83 | 1.07% |
| ANTHONY P DELUCA3 | 67 WINDWATCH DRIVE HAUPPAUGE, NY 11788 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 18.21% |
| NATIONAL FINANCIAL NETWORK, LLC3 Filed as: NATIONAL FINANCIAL NETWORK INC | 990 STEWART GARDEN CITY, NY 11530 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $123 | $0 | $123 | 1.66% |
| PENTRA LLC3 | 795 E LANCASTER AVE #210 VILLANOVA, PA 19085 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $487 | $0 | $487 | 15.42% |
| PENTRA LLC3 | 795 E LANCASTER AVE #210 VILLANOVA, PA 19085 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $94 | $0 | $94 | 2.98% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK SUITE A BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $48 | $48 | 1.52% |
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 | 110 | 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) | 110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 142 | $743K |
| Dental(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 142 | $750K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 142 | $743K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 102 | $11K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 102 | $8K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 102 | $12K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 102 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 142 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.