| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 4550 LENA DRIVE MECHANICSBURG, PA 17050 | HIGHMARK INC. | $61K | $0 | $61K | 5.00% |
| ERC OF NY, INC.3 | 669 RIVER DR #202 ELMWOOD PARK, NJ 07407 | UNITED CONCORDIA INSURANCE COMPANY | $6K | $3K | $9K | 11.19% |
| EMERSON REID LLC3 | 1787 SENTRY PWY W VEVA 16 #320 BLUE BELL, PA 19422 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 9.03% |
| PENTRA LLC3 | 795 EAST LANCASTER AVE STE 210 VILLANOVA, PA 19085 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 6.10% |
| COBB B LLC3 | 795 EAST LANCASTER AVE STE 210 VILLANOVA, PA 19085 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $418 | $0 | $418 | 1.15% |
| PENTRA LLC3 | 795 EAST LANCASTER AVE STE 210 VILLANOVA, PA 19085 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 11.78% |
| EMERSON REID LLC3 | 1787 SENTRY PWY W VEVA 16 #320 BLUE BELL, PA 19422 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 9.03% |
| COBB B LLC3 | 795 EAST LANCASTER AVE STE 210 VILLANOVA, PA 19085 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $385 | $0 | $385 | 1.87% |
| EMERSON REID LLC3 | 1787 SENTRY PWY W VEVA 16 #320 BLUE BELL, PA 19422 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 9.06% |
| PENTRA LLC3 | 795 EAST LANCASTER AVE STE 210 VILLANOVA, PA 19085 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 8.49% |
| COBB B LLC3 | 795 EAST LANCASTER AVE STE 210 VILLANOVA, PA 19085 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $306 | $0 | $306 | 1.77% |
| COBB B LLC3 | DBA LAMB FINANCIAL GROUP 1100 E. HECTOR ST., STE. 470 CONSHOHOCKEN, PA 19428 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | $0 | $3K | 19.67% |
| PENTRA LLC3 Filed as: PENTRA, LLC | 795 EAST LANCASTER AVENUE VILLANOVA, PA 19085 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | $0 | $1K | 9.21% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO | 1787 SENTRY PKWY W VEVA 16, SUITE 320 BLUE BELL, PA 19422 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $0 | $787 | $787 | 5.42% |
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 | 197 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 198 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK INC. | 220 | $1.2M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 244 | $80K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 466 | $15K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 197 | $17K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 197 | $36K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 197 | $21K |
| Prescription drug | HIGHMARK INC. | 220 | $1.2M |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 197 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 466 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.