| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PENTRA LLC3 | 1041 OLD CASSATT ROAD SUITE 210 BERWYN, PA 19312 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | $57K | $59K | 3.00% |
| PENTRA LLC3 | 1041 OLD CASSATT ROAD BERWYN, PA 19312 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 10.00% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | SUITE 500 3 PARKWAY N DEERFIELD, IL 60015 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $4K | $4K | 4.79% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $23 | $23 | 0.03% |
| PENTRA LLC3 | 1041 OLD CASSATT RD BERWYN, PA 19312 | VISION SERVICE PLAN | $442 | — | $442 | 3.75% |
| ENROLLEASE3 Filed as: ENROLLEASE, INC. DBA EASE CENTRAL | 1980 FESTIVAL PLAZA DR STE 810 LAS VEGAS, NV 891352958 | VISION SERVICE PLAN | $147 | — | $147 | 1.25% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 795 E LANCASTER AVE STE 210 VILLANOVA, PA 190851525 | VISION SERVICE PLAN | $6 | — | $6 | 0.05% |
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 | 112 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 159 | $2.0M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 159 | $2.0M |
| Vision | VISION SERVICE PLAN | 100 | $12K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 139 | $89K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 139 | $89K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 139 | $89K |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 139 | $89K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 159 | — |
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.