| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PENTRA LLC3 | 1041 OLD CASSATT ROAD SUITE 210 BERWYN, PA 19312 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $61K | $61K | 3.91% |
| PENTRA LLC3 Filed as: PENTRA INC | 795 E LANCASTER AVENUE SUITE 210 VILLANOVA, PA 19085 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $17K | — | $17K | 8.35% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 1041 OLD CASSATT RD BERWYN, PA 19312 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $3K | $3K | 1.25% |
| MAZZMAR LLC3 | 1767 SENTRY PKWY W SUITE 200 BLUE BELL, PA 19422 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $186 | — | $186 | 0.09% |
| PENTRA LLC3 | 795 E LANCASTER AVE STE 210 VILLANOVA, PA 19085 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | — | $5K | 20.00% |
| PENTRA LLC3 | 1041 OLD CASSATT RD BERWYN, PA 19312 | VISION SERVICE PLAN | $878 | — | $878 | 6.15% |
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 | 156 | 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) | 160 | 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 | 184 | $1.6M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 159 | $208K |
| Vision | VISION SERVICE PLAN | 121 | $14K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 159 | $208K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 159 | $208K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 159 | $232K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 184 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.