| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF AZ INC | 2800 N CENTRAL AVE SUITE 1100 PHOENIX, AZ 850041047 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $35K | $35K | 3.14% |
| PENTRA LLC3 Filed as: PENTRA, LLC | 1041 OLD CASSATT ROAD BERWYN, PA 19312 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $23K | $23K | 2.05% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES OF ARIZONA | 2800 N CENTRAL AVE #1100 PHOENIX, AZ 85004 | DELTA DENTAL OF ARIZONA | $3K | — | $3K | 5.41% |
| PENTRA LLC3 Filed as: PENTRA, LLC | 1041 OLD CASSATT RD BERWYN, PA 19312 | DELTA DENTAL OF ARIZONA | $2K | — | $2K | 3.89% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS OF ARIZONA INC | 2800 N CENTRAL AVE STE 1600 PHOENIX, AZ 85004 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 7.88% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC DBA PENTRA LLC | 1041 OLD CASSATT RD BERWYN, PA 19312 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 6.29% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS OF ARIZONA INC | 2800 N CENTRAL AVE STE 1600 PHOENIX, AZ 85004 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 7.33% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC DBA PENTRA LLC | 1041 OLD CASSATT RD BERWYN, PA 19312 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 5.70% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC DBA PENTRA LLC | 1041 OLD CASSATT RD BERWYN, PA 19312 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $968 | — | $968 | 5.24% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS OF ARIZONA INC | 2800 N CENTRAL AVE STE 1600 PHOENIX, AZ 85004 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $878 | — | $878 | 4.76% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES OF ARIZONA | 2800 N CENTRAL AVE #1100 PHOENIX, AZ 85004 | DELTA DENTAL OF ARIZONA | $902 | — | $902 | 4.98% |
| PENTRA LLC3 Filed as: PENTRA, LLC | 1041 OLD CASSATT RD BERWYN, PA 19312 | DELTA DENTAL OF ARIZONA | $755 | — | $755 | 4.17% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 901 MARQUETTE AVE STE 1800 MINNEAPOLIS, MN 55402 | VISION SERVICE PLAN | $710 | — | $710 | 4.71% |
| STRATEGIC NON-MEDICAL SOLUTION3 Filed as: STRATEGIC NON-MEDICAL | SOLUTIONS, LLC 1 BEACON STREET STE 17100 BOSTON, MA 02108 | VISION SERVICE PLAN | $602 | — | $602 | 4.00% |
| PENTRA LLC3 | 1041 OLD CASSATT RD BERWYN, PA 19312 | VISION SERVICE PLAN | $543 | — | $543 | 3.61% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN RD STE 300 BETHESDA, MD 208142554 | VISION SERVICE PLAN | $33 | — | $33 | 0.22% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS OF ARIZONA INC | 2800 N CENTRAL AVE STE 1600 PHOENIX, AZ 85004 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $900 | — | $900 | 7.92% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC DBA PENTRA LLC | 1041 OLD CASSATT RD BERWYN, PA 19312 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $805 | — | $805 | 7.09% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS OF ARIZONA INC | 2800 N CENTRAL AVE STE 1600 PHOENIX, AZ 85004 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $227 | — | $227 | 5.14% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC DBA PENTRA LLC | 1041 OLD CASSATT RD BERWYN, PA 19312 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $214 | — | $214 | 4.85% |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 130 | $1.1M |
| Dental(2 contracts) | DELTA DENTAL OF ARIZONA | 118 | $67K |
| Vision | VISION SERVICE PLAN | 93 | $15K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 157 | $39K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 63 | $18K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 157 | $25K |
| Other(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 157 | $69K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 157 | — |
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.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.