| 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 | $25K | $107K | $132K | 4.50% |
| PENTRA LLC3 Filed as: PENTRA, LLC. | 795 E LANCASTER AVE STE 210 VILLANOVA, PA 190851525 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $2K | $8K | 14.26% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 3.65% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH STREET HAMMONTON, NJ 080371363 | TRANSAMERICA LIFE INSURANCE COMPANY | $9K | $0 | $9K | 17.65% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12 STREET HAMMONTON, NJ 080371363 | TRANSAMERICA LIFE INSURANCE COMPANY | $7K | $0 | $7K | 14.87% |
| PENTRA LLC3 Filed as: PENTRA INC | SUITE 210 795 EAST LANCASTER AVENUE VILLANOVA, PA 19085 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 4.26% |
| PENTRA LLC3 Filed as: PENTRA INC | SUITE 210 795 EAST LANCASTER AVENUE VILLANOVA, PA 19085 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 3.72% |
| PENTRA LLC3 Filed as: PENTRA, LLC. | 795 E LANCASTER AVE STE 210 VILLANOVA, PA 190851525 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $2K | $7K | 14.19% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 3.59% |
| CUSTOM BENEFITS PROGRAMS3 Filed as: CUSTOM BENEFITS PROG INC | 897 12TH ST 1 HAMMONTON, NJ 08037 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | $780 | $13K | 34.22% |
| PENTRA LLC3 Filed as: PENTRA | 795 E LANCASTER AVE # 210 VILLANOVA, PA 19085 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 8.03% |
| CUSTOM BENEFITS PROGRAMS3 Filed as: CUSTOM BENEFIT PROGRAMS D | 897 12TH ST HAMMONTON, NJ 08037 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $0 | $7K | 18.05% |
| PENTRA LLC3 Filed as: PENTRA | 795 E LANCASTER AVE 2 VILLANOVA CTR # 210 VILLANOVA, PA 19085 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $715 | $0 | $715 | 1.95% |
| CUSTOM BENEFITS PROGRAMS3 Filed as: CUSTOM BENEFITS PROG INC | 897 12TH ST 1 HAMMONTON, NJ 08037 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | $616 | $13K | 39.52% |
| PENTRA LLC3 Filed as: PENTRA | 795 E LANCASTER AVE #210 VILLANOVA, PA 19085 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 9.40% |
| PENTRA LLC3 Filed as: PENTRA, LLC. | 795 E LANCASTER AVE STE 210 VILLANOVA, PA 190851525 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $951 | $6K | 23.98% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $815 | $815 | 3.41% |
| PENTRA LLC3 Filed as: PENTRA, LLC. | 795 E LANCASTER AVE STE 210 VILLANOVA, PA 190851525 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $826 | $6K | 28.99% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $708 | $708 | 3.42% |
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 | 695 | 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) | 695 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 344 | $3.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 344 | $2.9M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 344 | $2.9M |
| Life insurance(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 413 | $127K |
| Short-term disability(2 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 183 | $70K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 416 | $48K |
| Other(8 contracts, 5 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 413 | $3.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 416 | — |
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.