| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PENTRA LLC3 Filed as: PENTRA, LLC | 795 E LANCASTER AVENUE SUITE 210 VILLANOVA, PA 19085 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $10K | $1K | $11K | 5.62% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PACE CHICAGO, IL 606731298 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $4K | — | $4K | 1.96% |
| PENTRA LLC3 Filed as: PENTRA, LLC | 795 E LANCASTER AVENUE 2 VILLANOVA CENTER # 210 VILLANOVA, PA 19085 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $9K | $3K | $12K | 13.14% |
| PENTRA LLC3 Filed as: PENTRA, LLC | 795 E LANCASTER AVENUE 2 VILLANOVA CENTER # 210 VILLANOVA, PA 19085 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $5K | $2K | $6K | 13.39% |
| NICHOLAS H. LAMOTTE3 | 795 E LANCASTER AVENUE #210 VILLANOVA, PA 19085 | FIDELITY SECURITY LIFE INSURANCE COMPANY OF NEW YORK | $1K | — | $1K | 5.81% |
| PENTRA LLC3 Filed as: PENTRA, LLC | 795 E LANCASTER AVENUE 2 VILLANOVA CENTER # 210 VILLANOVA, PA 19085 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $1K | $358 | $1K | 13.42% |
| PENTRA LLC3 Filed as: PENTRA, LLC | 795 E LANCASTER AVENUE 2 VILLANOVA CENTER # 210 VILLANOVA, PA 19085 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $85 | $30 | $115 | 13.58% |
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 | 124 | 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) | 128 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 132 | $194K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY OF NEW YORK | 337 | $21K |
| Life insurance | CIGNA LIFE INSURANCE CO. OF NEW YORK | 163 | $90K |
| Short-term disability | CIGNA LIFE INSURANCE CO. OF NEW YORK | 46 | $847 |
| Long-term disability | CIGNA LIFE INSURANCE CO. OF NEW YORK | 134 | $47K |
| Other | CIGNA LIFE INSURANCE CO. OF NEW YORK | 166 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 337 | — |
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.