| 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 | $29K | $27K | $56K | 7.83% |
| PENTRA LLC5 | 795 E. LANCASTER AVE. STE 21 VILLANOVA, PA 19085 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $9K | $0 | $9K | 1.22% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $109 | $109 | 0.02% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 606036115 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $18 | $18 | 0.00% |
| PENTRA LLC3 Filed as: PENTRA, LLC | 795 E. LANCASTER AVE #210 VILLANOVA, PA 19085 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | $0 | $2K | 3.75% |
| CHRISTA G AUFDEMBERG INC4 | 13102 BRITTANY WOODS DR TUSTIN, CA 92780 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $3K | $0 | $3K | 19.31% |
| PENTRA LLC3 | STE 210 795 E LANCASTER AVE VILLANOVA, PA 19085 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $946 | $0 | $946 | 5.64% |
| MARSH & MCLENNAN AGENCY LLC4 Filed as: BARNEY & BARNEY A MARSH & | MCLENNAN AGENCY LLC CO PO BOX 85638 SAN DIEGO, CA 92186 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $253 | $0 | $253 | 1.51% |
| GORDON W ST JOHN3 | 795 E LANCASTER AVE SUITE 210 VILLANOVA, PA 19085 | HARTFORD LIFE AND ACCIDENT | $113 | $0 | $113 | 15.07% |
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 | 613 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 17 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 630 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 809 | $720K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 1,346 | $63K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 809 | $720K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 809 | $720K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 809 | $720K |
| Other(3 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 809 | $737K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,346 | — |
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.