| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PENTRA LLC3 | 795 E LANCASTER AVE STE 210 VILLANOVA, PA 19085 | STANDARD INSURANCE COMPANY | $6K | $16K | $22K | 4.42% |
| PENTRA LLC3 | 795 E LANCASTER AVE STE 210 VILLANOVA, PA 19085 | STANDARD INSURANCE COMPANY | $17K | $9K | $26K | 9.68% |
| PENTRA LLC3 Filed as: PENTRA, LLC | TWO VILLANOVA CENTER VILLANOVA, PA 19085 | AETNA LIFE INSURANCE COMPANY | $22K | $0 | $22K | 10.85% |
| ALAN LAKEN3 | PO BOX 346 CONSHOHOCKEN, PA 194280346 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 2.58% |
| NICHOLAS H. LAMOTTE3 Filed as: NICHOLAS H LAMOTTE | 795 E LANCASTER AVE STE 210 2 VILLANOVA CTR VILLANOVA, PA 190851525 | METROPOLITAN LIFE INSURANCE COMPANY | $492 | $0 | $492 | 1.09% |
| PENTRA LLC3 | 795 E LANCASTER AVE STE 210 VILLANOVA, PA 190851525 | METROPOLITAN LIFE INSURANCE COMPANY | $94 | $0 | $94 | 0.21% |
| 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 | 0.09% |
| GORDON W ST JOHN3 Filed as: GORDON W STJOHN | 795 E LANCASTER AVE STE 210 VILLANOVA, PA 190851525 | METROPOLITAN LIFE INSURANCE COMPANY | $19 | $0 | $19 | 0.04% |
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 | 1,495 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 28 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 15 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,538 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 58 | $203K |
| Dental | AETNA LIFE INSURANCE COMPANY | 58 | $203K |
| Vision(2 contracts) | AETNA LIFE INSURANCE COMPANY | 2,905 | $282K |
| Life insurance | STANDARD INSURANCE COMPANY | 1,495 | $507K |
| Long-term disability | STANDARD INSURANCE COMPANY | 1,495 | $268K |
| Other(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 1,495 | $564K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,905 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.