| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PENTRA LLC3 Filed as: PENTRA, LLC | 795 E LANCASTER AVE SUITE 210 VILLANOVA, PA 19085 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $44K | $44K | 3.58% |
| PENTRA LLC3 Filed as: PENTRA, LLC | 795 E LANCASTER AVE SUITE 210 VILLANOVA, PA 19085 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $7K | $0 | $7K | 0.53% |
| PENTRA LLC3 | 795 E LANCASTER AVE # 210 VILLANOVA, PA 19085 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $0 | $4K | 10.00% |
| PENTRA LLC3 | 795 E LANCASTER AVE # 210 VILLANOVA, PA 19085 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 10.00% |
| PENTRA LLC3 | 795 E LANCASTER AVE # 210 VILLANOVA, PA 19085 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 10.00% |
| PENTRA LLC3 | 795 E LANCASTER AVE STE 210 VILLANOVA, PA 190851525 | VISION SERVICE PLAN | $849 | $0 | $849 | 5.38% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP DBA PENTRA LLC | 795 E LANCASTER AVE STE 210 VILLANOVA, PA 190851525 | VISION SERVICE PLAN | $607 | $0 | $607 | 3.84% |
| PENTRA LLC3 | 795 E LANCASTER AVE # 210 VILLANOVA, PA 19085 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $762 | $0 | $762 | 10.01% |
| STEPHEN SNOW3 Filed as: STEPHEN P SNOW | 153 CORDAVILLE RD SOUTHBOROUGH, MA 01772 | AFLAC | $337 | $0 | $337 | 7.16% |
| LORI A. FANEUF MCCASSIE3 Filed as: LORI A FANEUF MCCASSIE | 525 WASHINGTON ST AUBURN, MA 01501 | AFLAC | $217 | $0 | $217 | 4.61% |
| FRED SNOW3 Filed as: FRED S SNOW | 27 JERROLD ST HOLLISTON, MA 01746 | AFLAC | $54 | $0 | $54 | 1.15% |
| THOMAS E ACKERMAN II3 | 30 WHEELER RD RUTLAND, MA 01543 | AFLAC | $48 | $0 | $48 | 1.02% |
| ACCESS ENROLL3 Filed as: ACCESS ENROLLMENT SOLUTIONS INC | 153 CORDAVILLE RD STE 120 SOUTHBOROUGH, MA 01772 | AFLAC | $48 | $0 | $48 | 1.02% |
| MAUREEN E SNOW3 | 68 WINGATE RD HOLLISTON, MA 01746 | AFLAC | $35 | $0 | $35 | 0.74% |
| DANIEL P CLARK3 | 33 LANDAU RD PLAINVILLE, MA 02762 | AFLAC | $27 | $0 | $27 | 0.57% |
| BRANDI L KEBALKA3 | 20 RANELEGH RD BRIGHTON, MA 02135 | AFLAC | $2 | $0 | $2 | 0.04% |
| NATHAN A HUMMER3 | 5 WEBBER RD WESTFORD, MA 01886 | AFLAC | $1 | $0 | $1 | 0.02% |
| JILL SCIRPO3 | 6 WILLETT POND RD WESTWOOD, MA 02090 | AFLAC | $1 | $0 | $1 | 0.02% |
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 | 180 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 8 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 189 | 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 | 211 | $1.2M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 211 | $1.2M |
| Vision | VISION SERVICE PLAN | 121 | $16K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 218 | $28K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 180 | $43K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 180 | $34K |
| Other(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 218 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 218 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.