| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FLEXIBLE BENEFIT PLANS, INC.3 | VALLEY FORGE COMMONS VALLEY FORGE, PA 19482 | INDEPENDENCE BLUE CROSS | $201K | $10K | $211K | 2.12% |
| FLEXIBLE BENEFIT PLANS, INC.3 | VALLEY FORGE COMMONS VALLEY FORGE, PA 19482 | INDEPENDENCE BLUE CROSS | $71K | $7K | $77K | 2.21% |
| PENTRA LLC3 | 795 E LANCASTER AVE STE 210 VILLANOVA, PA 190851525 | METROPOLITAN LIFE INSURANCE COMPANY | $40K | $14K | $54K | 6.12% |
| PENTRA LLC3 | 795 E LANCASTER AVE 2 VILLANOVA CTR # 210 VILLANOVA, PA 19085 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $19K | — | $19K | 4.83% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $7K | $7K | 1.93% |
| PENTRA LLC3 | 795 E LANCASTER AVE 2 VILLANOVA CTR # 210 VILLANOVA, PA 19085 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $13K | — | $13K | 5.00% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$1K | $6K | $5K | 2.00% |
| PENTRA LLC3 Filed as: PENTRA, LLC | 795 E. LANCASTER AVE #210 VILLANOVA, PA 19085 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $11K | — | $11K | 8.58% |
| PENTRA LLC3 | 795 E LANCASTER AVE 2 VILLANOVA CTR # 210 VILLANOVA, PA 10985 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 5.00% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$196 | $2K | $1K | 2.00% |
| PENTRA LLC3 | 795 E LANCASTER AVE 2 VILLANOVA CTR # 210 VILLANOVA, PA 19085 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 2.22% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $426 | $426 | 0.89% |
| AON CONSULTING INC3 | 165 BROADWAY SUITE 3201 NEW YORK, NY 10006 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $1K | — | $1K | 20.00% |
| PENTRA LLC3 Filed as: PENTRA, LLC | 795 E. LANCASTER AVE #210 VILLANOVA, PA 19085 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $153 | — | $153 | 8.60% |
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 | 815 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 17 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 11 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 843 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INDEPENDENCE BLUE CROSS | 1,877 | $9.9M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,854 | $882K |
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 1,999 | $125K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,221 | $264K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $48K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 894 | $384K |
| Prescription drug | INDEPENDENCE BLUE CROSS | 1,274 | $3.5M |
| Other(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,221 | $335K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,999 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.