| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PENTRA LLC3 Filed as: PENTRA, LLC | 1041 OLD CASSATT RD BERWYN, PA 19312 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | $10K | $24K | 3.31% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES | 1933 STATE RTE 35 STE 368 WALL, NJ 07719 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $17K | $17K | 2.38% |
| BENEFIT ADVISORS NETWORK LLC3 Filed as: BENEFIT ADVISORS NETWORK | STE 322-8 3659 GREEN RD BEACHWOOD, OH 44122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | — | $0 | 0.00% |
| ST JOHN, GORDON3 Filed as: ST. JOHN, GORDON | 795 E LANCASTER AVE STE 210 VILLANOVA, PA 19085 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $54K | — | $54K | 25.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES LLC | STE 368 1933 STATE RTE 35 WALL, NJ 07719 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $32K | $32K | 15.00% |
| PENTRA LLC3 | 1041 OLD CASSATT RD BERWYN, PA 19312 | DELTA DENTAL OF DELAWARE | $20K | — | $20K | 9.99% |
| PENTRA LLC3 Filed as: PENTRA, LLC | 1041 OLD CASSATT RD BERWYN, PA 19312 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16K | — | $16K | 15.00% |
| PENTRA LLC3 Filed as: PENTRA, LLC | 1041 OLD CASSATT RD BERWYN, PA 19312 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $854 | $11K | 17.71% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES | 1933 STATE RTE 35 STE 368 WALL, NJ 07719 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $2K | $2K | 2.72% |
| BENEFIT ADVISORS NETWORK LLC3 Filed as: BENEFIT ADVISORS NETWORK | STE 322-8 3659 GREEN RD BEACHWOOD, OH 44122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | — | $0 | 0.00% |
| HP PLANNING LLC3 | DBA ALERA NORTHEAST 535 CONNECTICUT AVE SUITE 502 NORWALK, CT 06854 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 5.23% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 30 BROAD ST 35TH FL NEW YORK, NY 10004 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $848 | $848 | 1.54% |
| GCG FINANCIAL LLC3 Filed as: DBL GENERAL AGENCY AN ALERA | GROUP LLC 155 PINELAWN RD STE 120 S MELVILLE, NY 11747 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $454 | $454 | 0.82% |
| PENTRA LLC3 | 1041 OLD CASSATT RD BERWYN, PA 19312 | VISION SERVICE PLAN | $3K | — | $3K | 10.00% |
| PENTRA LLC3 Filed as: PENTRA, LLC | 1041 OLD CASSATT RD BERWYN, PA 19312 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 20.04% |
| ST JOHN, GORDON3 Filed as: ST. JOHN, GORDON | 795 E LANCASTER AVE STE 210 VILLANOVA, PA 19085 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $10 | — | $10 | 25.64% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES LLC | STE 368 1933 STATE RTE 35 WALL, NJ 07719 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $0 | $6 | $6 | 15.38% |
| GCG FINANCIAL LLC3 Filed as: PENTRA, LLC AN ALERA GROUP CO | 1041 OLD CASSATT RD BERWYN, PA 19312 | HARTFORD FIRE INSURANCE COMPANY | $0 | $26 | $26 | — |
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 | 315 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 331 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | HIGHMARK DELAWARE | 812 | $9.4M |
| Dental | DELTA DENTAL OF DELAWARE | 548 | $197K |
| Vision | VISION SERVICE PLAN | 145 | $29K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 304 | $828K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 304 | $710K |
| Other(8 contracts, 5 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 316 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 812 | — |
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.