| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ST JOHN, GORDON3 Filed as: ST JOHN, GORDON W | 795 E LANCASTER AVE SUITE 210 VILLANOVA, PA 19085 | HIGHMARK INC. | $84K | — | $84K | 4.30% |
| PENTRA LLC3 | 795 E LANCASTER AVE STE 210 VILLANOVA, PA 19085 | SYMETRA LIFE INSURANCE COMPANY | $11K | $3K | $13K | 14.66% |
| NATIONAL BENEFITS CENTER LLC3 | 3700 PARK E DRIVE #350 BEACHWOOD, OH 44122 | SYMETRA LIFE INSURANCE COMPANY | $0 | $930 | $930 | 1.02% |
| PENTRA LLC3 | 795 E LANCASTER AVE STE 210 VILLANOVA, PA 19085 | SYMETRA LIFE INSURANCE COMPANY | $5K | — | $5K | 20.12% |
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 | 250 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 255 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HIGHMARK INC. | 311 | $2.0M |
| Dental | HIGHMARK INC. | 311 | $1.9M |
| Vision | HIGHMARK INC. | 311 | $1.9M |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 257 | $91K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 257 | $91K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 257 | $91K |
| Prescription drug | HIGHMARK INC. | 311 | $1.9M |
| Other(2 contracts) | SYMETRA LIFE INSURANCE COMPANY | 257 | $115K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 311 | — |
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.
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.