| 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 | $36K | — | $36K | 5.17% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP MECHANICSBURG | 4550 LENA DR MECHANICSBURG, PA 170554922 | UNITEDHEALTHCARE INSURANCE COMPANY | $10K | — | $10K | 1.39% |
| PENTRA LLC3 | 22 CASSATT AVE STE 100 BERWYN, PA 19312 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE RT 35 STE 368 WALL TOWNSHIP, NJ 07719 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $959 | $959 | 6.16% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK E DRIVE STE 350 BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $32 | $32 | 0.21% |
| ANTHONY P DELUCA3 | 13544 MACHIAVELLI WAY PALM BEACH GARDENS, FL 33418 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 13.00% |
| NATIONAL FINANCIAL NETWORK, LLC3 Filed as: NATIONAL FINANCIAL NETWORK INC | 990 STEWART GARDEN CITY, NY 11530 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $197 | — | $197 | 1.30% |
| PENTRA LLC3 | 22 CASSATT AVE STE 100 BERWYN, PA 19312 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE RT 35 STE 368 WALL TOWNSHIP, NJ 07719 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $596 | $596 | 6.21% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK E DRIVE STE 350 BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $20 | $20 | 0.21% |
| PENTRA LLC3 | 22 CASSATT AVE STE 100 BERWYN, PA 19312 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $629 | — | $629 | 15.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE RT 35 STE 368 WALL TOWNSHIP, NJ 07719 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $264 | $264 | 6.30% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK E DRIVE STE 350 BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $10 | $10 | 0.24% |
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 | 47 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 32 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 80 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 49 | $695K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 49 | $695K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 49 | $695K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 47 | $19K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 47 | $10K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 47 | $16K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 47 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 49 | — |
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.