| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FLEXIBLE BENEFIT PLANS, INC.3 | VALLEY FORGE COMMONS VALLEY FORGE, PA 19482 | INDEPENDENCE BLUE CROSS | $199K | — | $199K | 2.00% |
| FLEXIBLE BENEFIT PLANS, INC.3 | VALLEY FORGE COMMONS VALLEY FORGE, PA 19482 | INDEPENDENCE BLUE CROSS | $88K | — | $88K | 2.00% |
| PENTRA LLC3 | 1041 OLD CASSATT RD BERWYN, PA 193121152 | METROPOLITAN LIFE INSURANCE COMPANY | $41K | $15K | $56K | 6.40% |
| PENTRA LLC3 | 795 E LANCASTER AVE 2 VILLANOVA CTR 210 VILLANOVA, PA 19085 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $18K | — | $18K | 5.00% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $6K | $6K | 1.66% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $2K | $2K | 0.50% |
| PENTRA LLC3 | 795 E LANCASTER AVE 2 VILLANOVA CTR 210 VILLANOVA, PA 19085 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | — | $12K | 5.00% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $4K | $4K | 1.65% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $1K | $1K | 0.51% |
| PENTRA LLC3 Filed as: PENTRA, LLC | 795 E. LANCASTER AVE #210 VILLANOVA, PA 19085 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $12K | — | $12K | 9.91% |
| PENTRA LLC3 | 795 E LANCASTER AVE 2 VILLANOVA CTR 210 VILLANOVA, PA 19085 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 4.77% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $955 | $955 | 1.56% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $316 | $316 | 0.52% |
| 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 | $208 | — | $208 | 12.13% |
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 | 866 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 10 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 889 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INDEPENDENCE BLUE CROSS | 1,793 | $9.9M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,651 | $868K |
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 1,929 | $127K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,170 | $248K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 858 | $363K |
| Prescription drug | INDEPENDENCE BLUE CROSS | 1,197 | $4.4M |
| Other(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,170 | $316K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,929 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.