| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NICHOLAS H. LAMOTTE3 Filed as: NICHOLAS LAMOTTE | 795 E LANCASTER AVE STE 210 2 VILLANOVA CTR VILLANOVA, PA 190851525 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $0 | $13K | 6.01% |
| ST JOHN, GORDON3 | 795 EAST LANCASTER AVE STE 210 VILLANOVA, PA 19085 | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | $2K | $0 | $2K | 1.14% |
| GORDON W ST JOHN3 Filed as: GORDON ST JOHN | SUITE 210 795 E LANCASTER AVE VILLANOVA, PA 19085 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 5.26% |
| ST JOHN, GORDON3 | 795 EAST LANCASTER AVE SUITE 210 VILLANOVA, PA 10010 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 4.58% |
| SCOTT INSURANCE3 | 1301 OLD GRAVES ROAD LYNCHBURG, VA 24506 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $176 | $936 | $1K | 2.62% |
| PENTRA LLC3 Filed as: PENTRA, LLC | TWO VILLANOVA CENTER 795 E. LANCASTER AVENUE SUITE 210 VILLANOVA, PA 19085 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| NICHOLAS H. LAMOTTE3 Filed as: NICHOLAS H. LA MOTTE | 795 E LANCASTER AVE STE 210 VILLANOVA, PA 190851525 | VISION SERVICE PLAN | $1K | $0 | $1K | 5.33% |
| ST JOHN, GORDON3 | 795 EAST LANCASTER AVE SUITE 210 VILLANOVA, PA 10010 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $531 | $0 | $531 | 5.00% |
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 | 402 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 414 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 0 | $9K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 506 | $214K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 147 | $28K |
| Life insurance(2 contracts, 2 carriers) | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | 405 | $225K |
| Short-term disability | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | 192 | $133K |
| Long-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 267 | $53K |
| Other(2 contracts, 2 carriers) | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | 405 | $225K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 506 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.