| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PENTRA LLC3 Filed as: PENTRA, LLC | TWO VILLANOVA CENTER VILLANOVA, PA 190851500 | AETNA LIFE INSURANCE COMPANY | $18K | $99K | $117K | 3.36% |
| PENTRA LLC3 Filed as: PENTRA, LLC | 795 E LANCASTER AVE STE 210 VILLANOVA, PA 19085 | HARTFORD LIFE AND ACCIDENT | $5K | $1K | $6K | 3.04% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT G RELPH AGENCY INC | STE 100 800 PARKER HILL DR ROCHESTER, NY 14625 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 21.19% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 4550 LENA DR MECHANICSBURG, PA 17050 | HIGHMARK INC. | $153 | — | $153 | 3.80% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | 200 LIBERTY STREET NEW YORK, NY 10281 | FEDERAL INSURANCE COMPANY | $458 | — | $458 | 25.00% |
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 | 338 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 342 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 572 | $3.5M |
| Dental | AETNA LIFE INSURANCE COMPANY | 572 | $3.5M |
| Vision(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 572 | $3.5M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 451 | $211K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 451 | $211K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 451 | $246K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 572 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.