| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GORDON W ST JOHN3 Filed as: GORDON ST. JOHN | 453 GLENWYTH ROAD STAFFORD, PA 19087 | CONNECTCARE, INC. | $0 | $85K | $85K | 2.51% |
| PENTRA LLC3 Filed as: PENTRA, LLC | 795 LANCASTER AVENUE VILLANOVA, PA 19085 | DELTA DENTAL OF CONNECTICUT, INC. | $16K | $0 | $16K | 5.41% |
| PENTRA LLC3 Filed as: PENTRA, LLC | 795 LANCASTER AVENUE VILLANOVA, IN 19085 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $21K | $0 | $21K | 10.00% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $60 | $60 | 0.03% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC. | 795 LANCASTER AVENUE, SUITE 210 VILLANOVA, PA 19085 | VISION SERVICE PLAN | $1K | $0 | $1K | 5.07% |
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 | 350 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 351 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CONNECTCARE, INC. | 464 | $3.4M |
| Dental | DELTA DENTAL OF CONNECTICUT, INC. | 558 | $294K |
| Vision | VISION SERVICE PLAN | 266 | $24K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 350 | $206K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 350 | $206K |
| Prescription drug | CONNECTCARE, INC. | 464 | $3.4M |
| Other(3 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 350 | $235K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 558 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.