| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | SUITE 500 3 PARKWAY N DEERFIELD, IL 60015 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $37K | $37K | 4.39% |
| PENTRA LLC3 | 1041 OLD CASSATT RD BERWYN, PA 19312 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $36K | — | $36K | 4.37% |
| PENTRA LLC3 | STE 21 795 E LANCASTER AVE VILLANOVA, PA 19085 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 0.82% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $139 | $139 | 0.02% |
| PENTRA LLC3 Filed as: PENTRA, LLC | 795 E. LANCASTER AVE #210 VILLANOVA, PA 19085 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $4K | — | $4K | 5.57% |
| CHRISTA G AUFDEMBERG INC4 | 13102 BRITTANY WOODS DR TUSTIN, CA 92780 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $1K | — | $1K | 9.30% |
| PENTRA LLC3 | 1041 OLD CASSATT RD BERWYN, PA 19312 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $771 | — | $771 | 5.65% |
| MARSH & MCLENNAN AGENCY LLC4 Filed as: BARNEY & BARNEY A MARSH & | MCLENNAN AGENCY LLC PO BOX 85638 SAN DIEGO, CA 92186 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $32 | — | $32 | 0.23% |
| CHARLES A WALTERS4 | 13241 W GOLDEN PUMA TRL PEORIA, AZ 85383 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $21 | — | $21 | 0.15% |
| PENTRA LLC3 Filed as: PENTRA, LLC | 795 E. LANCASTER AVE #210 VILLANOVA, PA 19085 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $124 | — | $124 | 5.58% |
| GORDON W ST JOHN3 | 795 E LANCASTER AVE SUITE 210 VILLANOVA, PA 19085 | HARTFORD LIFE AND ACCIDENT | $225 | — | $225 | 15.00% |
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 | 705 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 18 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 15 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 738 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 930 | $832K |
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 1,474 | $69K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 930 | $832K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 930 | $832K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 930 | $832K |
| Other(3 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 930 | $847K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,474 | — |
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."
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.