| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | $31K | $0 | $31K | 4.25% |
| PENTRA LLC3 Filed as: PENTRA, LLC | 1041 OLD CASSATT ROAD BERWYN, PA 19312 | HARTFORD LIFE AND ACCIDENT | $15K | $2K | $16K | 2.21% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 100 FRONT STREET, SUITE 800 WORCESTER, MA 01608 | HARTFORD LIFE AND ACCIDENT | $0 | $7K | $7K | 0.91% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | AETNA LIFE INSURANCE COMPANY | $14K | $0 | $14K | 2.43% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02241 | AETNA LIFE INSURANCE COMPANY | $12K | $332 | $13K | 2.14% |
| PENTRA LLC3 Filed as: PENTRA, LLC | TWO VILLANOVA CENTER 795 EAST LANCASTER AVENUE VILLANOVA, PA 19085 | AETNA LIFE INSURANCE COMPANY | $12K | $0 | $12K | 1.97% |
| ALAN LAKEN3 | PO BOX 346 CONSHOHOCKEN, PA 19428 | METROPOLITAN LIFE INSURANCE COMPANY | $919 | $0 | $919 | 2.74% |
| PENTRA LLC3 Filed as: PENTRA, LLC | 1041 OLD CASSATT ROAD BERWYN, PA 19312 | METROPOLITAN LIFE INSURANCE COMPANY | $188 | $0 | $188 | 0.56% |
| TRION GROUP, INC.3 Filed as: TRION GROUP | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | METROPOLITAN LIFE INSURANCE COMPANY | $31 | $0 | $31 | 0.09% |
| NICHOLAS H. LAMOTTE3 | 795 EAST LANCASTER AVENUE 2 VILLANOVA CENTER VILLANOVA, PA 19085 | METROPOLITAN LIFE INSURANCE COMPANY | $12 | $0 | $12 | 0.04% |
| PENTRA LLC3 Filed as: PENTRA, LLC | 795 EAST LANCASTER AVENUE SUITE 210 VILLANOVA, PA 19085 | METROPOLITAN LIFE INSURANCE COMPANY | $11 | $0 | $11 | 0.03% |
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 | 1,583 | 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) | 1,583 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 2,961 | $592K |
| Dental | AETNA LIFE INSURANCE COMPANY | 2,961 | $592K |
| Vision | AETNA LIFE INSURANCE COMPANY | 2,961 | $592K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,583 | $734K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,583 | $734K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 2,961 | $592K |
| Other(5 contracts, 5 carriers) | HARTFORD LIFE AND ACCIDENT | 2,961 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,961 | — |
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.