| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PENTRA LLC3 | SUITE 21 795 E LANCASTER AVE VILLANOVA, PA 190851500 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $64K | $0 | $64K | 10.00% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 606036115 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $185 | $185 | 0.03% |
| GORDON W ST JOHN3 Filed as: GORDON W. ST JOHN | 795 E. LANCASTER AVE TWO VILLANOVA CENTER STE 210 VILLANOVA, PA 19085 | AETNA LIFE INSURANCE COMPANY | $6K | $0 | $6K | 10.35% |
| PENTRA LLC3 Filed as: PENTRA, LLC | 795 E. LANCASTER AVE TWO VILLANOVA CENTER STE 210 VILLANOVA, PA 19085 | AETNA LIFE INSURANCE COMPANY | $0 | $345 | $345 | 0.61% |
| CK GOHL INSURANCE SOLUTIONS3 | 6306 LUSK BLVD. SAN DIEGO, CA 91942 | CONTINENTAL AMERICAN INSURANCE COMPANY | $977 | $0 | $977 | 4.96% |
| PENTRA LLC3 Filed as: PENTRA, LLC | 795 EAST LANCASTER AVE SUITE 210 VILLANOVA, PA 19085 | CONTINENTAL AMERICAN INSURANCE COMPANY | $818 | $0 | $818 | 4.16% |
| MICHAEL P ZORN3 | AFLAC OFFICE 60 US HWY 46 FAIRFIELD, NJ 07004 | CONTINENTAL AMERICAN INSURANCE COMPANY | $196 | $0 | $196 | 1.00% |
| JORDREW INS SOLUTIONS INC3 | 5308 CORTE PLAYA JACINTO SAN DIEGO, CA 92124 | CONTINENTAL AMERICAN INSURANCE COMPANY | $179 | $0 | $179 | 0.91% |
| STEVE HEROUX ENTERPRISES3 | 11484 EASTRIDGE PLACE SAN DIEGO, CA 92131 | CONTINENTAL AMERICAN INSURANCE COMPANY | $174 | $0 | $174 | 0.88% |
| MARK HABER & ASSOC INC3 | 9370 SKY PARK CT SUITE 250 SAN DIEGO, CA 92123 | CONTINENTAL AMERICAN INSURANCE COMPANY | $173 | $0 | $173 | 0.88% |
| NICOLE LYNN RIHANEK3 Filed as: NICOLE L RIHANEK | 616 CYPRESS CREEK PKWY STE 750 HOUSTON, TX 77090 | CONTINENTAL AMERICAN INSURANCE COMPANY | $144 | $0 | $144 | 0.73% |
| BETH E FREDERICKSON3 | 60 ROUTE 46 EAST FAIRFIELD, NJ 07004 | CONTINENTAL AMERICAN INSURANCE COMPANY | $106 | $0 | $106 | 0.54% |
| KATHLEEN MACALLISTER3 | 11686 CARMEL CREEK RD #304 SAN DIEGO, CA 92130 | CONTINENTAL AMERICAN INSURANCE COMPANY | $105 | $0 | $105 | 0.53% |
| DEVAN L BERRY3 | 2955 COWLEY WAY #98 SAN DIEGO, CA 92117 | CONTINENTAL AMERICAN INSURANCE COMPANY | $101 | $0 | $101 | 0.51% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC. | LOCKBOX 740663 LOS ANGELES, CA 90074 | CONTINENTAL AMERICAN INSURANCE COMPANY | $86 | $0 | $86 | 0.44% |
| GARRETT L SMITH3 | 5050 MURPHY CANYON RD SAN DIEGO, CA 92123 | CONTINENTAL AMERICAN INSURANCE COMPANY | $54 | $0 | $54 | 0.27% |
| ANDREW R GRETHEL3 | 367 VIA ANDULUSIA ENCINITAS, CA 92024 | CONTINENTAL AMERICAN INSURANCE COMPANY | $48 | $0 | $48 | 0.24% |
| MICHAEL A FORNARO3 | 271 ROUTE 46 WEST SUITE H119 FAIRFIELD, NJ 07004 | CONTINENTAL AMERICAN INSURANCE COMPANY | $31 | $0 | $31 | 0.16% |
| COLLEEN M LAPRADE3 | 6005 HIDDEN VALLEY ROAD SUITE 150 CARLSBAD, CA 92011 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12 | $0 | $12 | 0.06% |
| WHITNEY L MILLWOOD3 Filed as: WHITNEY MILLWOOD | 3944 MURPHY CANYON RD STE C203 SAN DIEGO, CA 92123 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12 | $0 | $12 | 0.06% |
| DAWN T SUCHECKI3 Filed as: DAWN SUCHECKI | 225 S WATER ST SUITE I WILMINGTON, NC 28401 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | $0 | $7 | 0.04% |
| REY ROSTAMI3 | PO BOX 625 STOCKHOLM, NJ 07460 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | $0 | $5 | 0.03% |
| DEREK L RIHANEK3 | 616 CYPRESS CREEK PKWY STE 750 HOUSTON, TX 77090 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | $0 | $5 | 0.03% |
| CHRISTA G AUFDEMBERG INC4 Filed as: CHRISTA G. AUFDEMBERG INC | 13102 BRITTANY WOODS DR TUSTIN, CA 92780 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $2K | $0 | $2K | 17.77% |
| PENTRA LLC3 | STE 210 795 E LANCASTER AVE VILLANOVA, PA 19085 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $388 | $0 | $388 | 3.33% |
| MARSH & MCLENNAN AGENCY LLC4 Filed as: BARNEY & BARNEY A MARSH & | MCLENNAN AGENCY LLC CO P.O. BOX 85638 SAN DIEGO, CA 92186 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $369 | $0 | $369 | 3.17% |
| JAY R GIRARD3 | 4419 RANCHO LARGO RD NW ALBUQUERQUE, NM 87120 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $12 | $0 | $12 | 0.10% |
| GORDON W ST JOHN3 | 795 E LANCASTER AVE #210 VILLANOVA, PA 19085 | HARTFORD LIFE AND ACCIDENT | $113 | $0 | $113 | 15.07% |
| MARSH & MCLENNAN AGENCY LLC3 | 100 FRONT ST STE 800 WORCESTER, MA 01608 | HARTFORD LIFE AND ACCIDENT | $0 | $8 | $8 | 1.07% |
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 | 570 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 19 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 589 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CONTINENTAL AMERICAN INSURANCE COMPANY | 76 | $20K |
| Vision | AETNA LIFE INSURANCE COMPANY | 1,284 | $57K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 759 | $642K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 759 | $642K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 759 | $642K |
| Other(4 contracts, 4 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 759 | $674K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,284 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.