| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAMOTTE, NICHOLAS3 | 795 E LANCASTER AVE SUITE 210 VILLANOVA, PA 19085 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $19K | $83K | $101K | 4.49% |
| WEB TPA0 Filed as: WEB TPA EMPLOYER SERVICES LLC | 8500 FREEPORT PKWY S SUIT 400 IRVING, TX 75063 | TRANSAMERICA LIFE INSURANCE COMPANY | $0 | $5K | $5K | 10.96% |
| CUSTOM BENEFITS PROGRAMS3 Filed as: CUSTOM BENEFITS PROGRAMS INC | 897 12TH ST HAMMONTON, NJ 080371363 | TRANSAMERICA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 9.34% |
| NATIONAL EMPLOYEE BENEFIT COMPANIES5 | 8500 FREEPORT PKWY S SUITE 450 IRVING, TX 75063 | TRANSAMERICA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 6.41% |
| WEB TPA5 Filed as: WEB TPA EMPLOYER SERVICES LLC | 8500 FREEPORT PKWY S SUITE 400 IRVING, TX 75063 | TRANSAMERICA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 5.49% |
| PENTRA LLC3 Filed as: PENTRA INC | SUITE 210 795 E LANCASTER AVE VILLANOVA, PA 19085 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 4.95% |
| NEW BENEFITS, LTC0 | 14240 PROTON ROAD DALLAS, TX 75244 | TRANSAMERICA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 2.45% |
| PENTRA LLC3 Filed as: PENTRA, INC. | 795 E LANCASTER AVE STE 210 VILLANOVA, PA 190851525 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 10.00% |
| PENTRA LLC3 Filed as: PENTRA, INC. | 795 E LANCASTER AVE STE 210 VILLANOVA, PA 190851525 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 10.00% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH STREET HAMMONTON, NJ 080371363 | TRANSAMERICA LIFE INSURANCE COMPANY | $7K | $0 | $7K | 26.43% |
| PENTRA LLC3 Filed as: PENTRA INC | SUITE 210 795 EAST LANCASTER AVENUE VILLANOVA, PA 19085 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 6.61% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12 STREET HAMMONTON, NJ 080371363 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 6.32% |
| PENTRA LLC3 Filed as: PENTRA INC | SUITE 210 795 EAST LANCASTER AVENUE VILLANOVA, PA 19085 | TRANSAMERICA LIFE INSURANCE COMPANY | $434 | $0 | $434 | 1.58% |
| PENTRA LLC3 Filed as: PENTRA, INC. | 795 E LANCASTER AVE STE 210 VILLANOVA, PA 190851525 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $0 | $7K | 25.00% |
| ASSUREDPARTNERS3 Filed as: UNIVERS WORKPLACE BENFITS | 897 12TH ST 1 HAMMONTON, NJ 08037 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | $0 | $9K | 42.32% |
| PENTRA LLC3 Filed as: PENTRA | 795 E LANCASTER AVE #210 VILLANOVA, PA 19085 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.57% |
| PENTRA LLC3 Filed as: PENTRA, INC. | 795 E LANCASTER AVE STE 210 VILLANOVA, PA 190851525 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 20.00% |
| ASSUREDPARTNERS3 Filed as: UNIVERS WORKPLACE BENFITS | 897 12TH ST 1 HAMMONTON, NJ 08037 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $0 | $7K | 43.40% |
| PENTRA LLC3 Filed as: PENTRA | 795 E LANCASTER AVE #210 VILLANOVA, PA 19085 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.84% |
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 | 550 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 1 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 553 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 275 | $2.4M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 226 | $2.3M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 226 | $2.3M |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 379 | $68K |
| Short-term disability(2 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 265 | $54K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 377 | $37K |
| Other(7 contracts, 3 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 379 | $209K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 379 | — |
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."
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.