| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: PENTRA LLC AN ALERA GROUP CO | 795 E LANCASTER AVE STE 210 VILLANOVA, PA 19085 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | $30K | $35K | 4.28% |
| PENTRA LLC3 | 795 E LANCASTER AVE STE 210 VILLANOVA, PA 19085 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $1K | $1K | 0.16% |
| PREFERRED BENEFITS GROUP3 Filed as: PREFERRED BENEFITS GROUP INC | 80 EAST STATE ROUTE 4 SUITE 245 PARAMUS, NJ 07652 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | $16K | $19K | 17.58% |
| PROFESSIONAL PENSIONS INC3 Filed as: PROFESSIONAL PENSIONS | 10 RESEARCH PARKWAY SUITE 200 WALLINGFORD, CT 06492 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $9K | $9K | 8.96% |
| PENTRA LLC3 | 795 E LANCASTER AVE SUITE 210 VILLANOVA, PA 19085 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | -$2K | -$12K | -$14K | -13.37% |
| PENTRA LLC3 | 795 E LANCASTER AVE STE 210 VILLANOVA, PA 19085 | SYMETRA LIFE INSURANCE COMPANY | $7K | — | $7K | 11.93% |
| PENTRA LLC3 | 795 E LANCASTER AVE STE 210 VILLANOVA, PA 19085 | SYMETRA LIFE INSURANCE COMPANY | $562 | — | $562 | 19.92% |
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 | 150 | 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) | 154 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 147 | $923K |
| Dental(2 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 147 | $920K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 147 | $815K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 167 | $55K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 167 | $55K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 167 | $55K |
| Other(2 contracts) | SYMETRA LIFE INSURANCE COMPANY | 167 | $58K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 167 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.