| 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 | $15K | $85K | $100K | 4.38% |
| PENTRA LLC3 | 795 E LANCASTER AVE SUITE 210 VILLANOVA, PA 19085 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $2K | $2K | 0.07% |
| PENTRA LLC3 | 795 E LANCASTER AVE STE 210 VILLANOVA, PA 19085 | SUN LIFE ASSURANCE COMPANY OF CANADA | $13K | $0 | $13K | 11.49% |
| PENTRA LLC3 | 795 E LANCASTER AVE 2 VILLANOVA CTR # 210 VILLANOVA, PA 19085 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $199 | $7K | 16.76% |
| RONALD M KLEIMAN3 | 4522 RFD LONG GROVE, IL 60047 | TRANSAMERICA LIFE INSURANCE COMPANY | $8K | $0 | $8K | 23.80% |
| RONALD M KLEIMAN3 | 4522 RFD LONG GROVE, IL 60047 | TRANSAMERICA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 7.85% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12 STREET HAMMONTON, NJ 08037 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 4.72% |
| PENTRA LLC3 Filed as: PENTRA INC | 795 EAST LANCASTER AVENUE SUITE 210 VILLANOVA, PA 19085 | TRANSAMERICA LIFE INSURANCE COMPANY | $751 | $0 | $751 | 2.30% |
| PENTRA LLC3 Filed as: PENTRA INC | 795 EAST LANCASTER AVENUE SUITE 210 VILLANOVA, PA 19085 | TRANSAMERICA LIFE INSURANCE COMPANY | $440 | $0 | $440 | 1.35% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12 STREET HAMMONTON, NJ 08037 | TRANSAMERICA LIFE INSURANCE COMPANY | -$4K | $0 | -$4K | -11.37% |
| RONALD KLEIMAN3 | 4522 RFD LONG GROVE, IL 60047 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $0 | $7K | 24.74% |
| PENTRA LLC3 Filed as: PENTRA | 795 E LANCASTER AVE #210 VILLANOVA, PA 19085 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 17.07% |
| CUSTOM BENEFITS PROGRAMS3 Filed as: CUSTOM BENEFITS PROG INC | 897 12TH ST 1 HAMMONTON, NJ 08037 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $300 | $0 | $300 | 1.10% |
| RONALD KLEIMAN3 | 4522 RFD LONG GROVE, IL 60047 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 21.41% |
| PENTRA LLC3 Filed as: PENTRA | 795 E LANCASTER AVE # 210 VILLANOVA, PA 19085 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 18.86% |
| CUSTOM BENEFITS PROGRAMS3 Filed as: CUSTOM BENEFITS PROG INC | 897 12TH ST 1 HAMMONTON, NJ 08037 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $406 | $0 | $406 | 1.62% |
| BENEFITVISION3 Filed as: BENEFITVISION INC | 99 WOOD AVENUE SUITE 501 ISELIN, NJ 08830 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $613 | $0 | $613 | 7.49% |
| PENTRA LLC3 | TWO VILLANOVA CTR 795 E LANCASTER AVENUE SUITE 210 VILLANOVA, PA 19085 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $613 | $0 | $613 | 7.49% |
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 | 280 | 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) | 284 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 258 | $2.4M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 258 | $2.3M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 258 | $2.3M |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,214 | $147K |
| Short-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,214 | $147K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,214 | $115K |
| Other(7 contracts, 5 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 2,214 | $2.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,214 | — |
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.