| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PENTRA LLC3 Filed as: PENTRA, INC | 795 E LANCASTER AVE STE 210 VILLANOVA, PA 19085 | HARTFORD LIFE AND ACCIDENT | $42K | $9K | $51K | 9.03% |
| PENTRA LLC3 Filed as: PENTRA, LLC | TWO VILLANOVA CENTER 795 E. LANCASTER AVE., SUITE 210 VILLANOVA, PA 190851500 | AETNA LIFE INSURANCE COMPANY | $11K | $0 | $11K | 8.28% |
| ALAN LAKEN3 | PO BOX 346 CONSHOHOCKEN, PA 194280346 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 2.23% |
| NICHOLAS H. LAMOTTE3 Filed as: NICHOLAS H LAMOTTE | 795 E LANCASTER AVE STE 210 2 VILLANOVA CTR VILLANOVA, PA 190851525 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 2.08% |
| INTEGRATED BENEFIT SERVICES INC3 | D/B/A PENTRA INC 795 E LANCASTER AVE STE 210 VILLANOVA, PA 190851525 | METROPOLITAN LIFE INSURANCE COMPANY | $215 | $0 | $215 | 0.33% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP A MARSH & | MCLENNAN AGENCY LLC COMPANY 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 194062772 | METROPOLITAN LIFE INSURANCE COMPANY | $39 | $0 | $39 | 0.06% |
| GORDON W ST JOHN3 Filed as: GORDON W STJOHN | 795 E LANCASTER AVE STE 210 VILLANOVA, PA 19085 | METROPOLITAN LIFE INSURANCE COMPANY | $19 | $0 | $19 | 0.03% |
| PENTRA LLC3 Filed as: PENTRA | 795 E LANCASTER AVE STE 210 VILLANOVA, PA 19085 | HARTFORD LIFE AND ACCIDENT | $3K | $0 | $3K | 7.50% |
| PENTRA LLC3 Filed as: PENTRA, LLC | TWO VILLANOVA CENTER 795 E. LANCASTER AVE., SUITE 210 VILLANOVA, PA 190851500 | AETNA INTERNATIONAL | $641 | $0 | $641 | 10.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 NONE | Contract Administrator; Claims processing Service code 12 | — | $567K |
| HARTFORD LIFE AND ACCIDENT EIN 06-0838648 NONE | Contract Administrator Service code 13 | — | $37K |
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 | 1,106 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 13 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 1,135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 44 | $138K |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 44 | $138K |
| Vision | AETNA LIFE INSURANCE COMPANY | 44 | $137K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,655 | $565K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,655 | $565K |
| Other(5 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 1,655 | $677K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,655 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.