| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PENTRA LLC3 Filed as: PENTRA INC | 795 E. LANCASTER AVE. SUITE #210 VILLANOVA, PA 19085 | GROUP HOSPITALIZATION & MEDICAL SERVICES, INC. D/B/A/CAREFIRST BLUECRO | $134K | — | $134K | 0.67% |
| CREATIVA ASSOCIATES FINANCIAL & INS3 Filed as: CREATIVA ASSOCIATES FINANCIAL | 28470 AVENUE STANFORD SUITE 300 VALENCIA, CA 91355 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $65K | — | $65K | 3.19% |
| INTEGRATED BENEFIT SERVICES INC3 | DBA PENTRA INC 795 E LANCASTER AVE SUITE 210 VILLANOVA, PA 190851525 | METROPOLITAN LIFE INSURANCE COMPANY | $134K | $2K | $136K | 10.17% |
| PENTRA LLC3 Filed as: PENTRA INC | TWO VILLANOVA CENTER 795 E LANCASTER AVENUE SUITE 210 VILLANOVA, PA 19085 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $132K | — | $132K | 10.83% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $15K | $15K | 1.22% |
| PENTRA LLC3 Filed as: PENTRA INC | 795 E LANCASTER AVE SUITE 210 VILLANOVA, PA 19085 | AETNA LIFE INSURANCE COMPANY AND AFFLIATES | $16K | — | $16K | 2.99% |
| INTEGRATED BENEFIT SERVICES INC3 | DBA PENTRA INC 795 E LANCASTER AVE SUITE 210 VILLANOVA, PA 190851525 | METROPOLITAN LIFE INSURANCE COMPANY | $34K | $439 | $35K | 11.71% |
| PENTRA LLC3 Filed as: PENTRA INC | 795 E LANCASTER AVE SUITE 210 VILLANOVA, PA 19085 | EYEMED VISON CARE | $10K | — | $10K | 4.51% |
| INTEGRATED BENEFIT SERVICES INC3 | DBA PENTRA INC 795 E LANCASTER AVE SUITE 210 VILLANOVA, PA 190851525 | METROPOLITAN LIFE INSURANCE COMPANY | $24K | $1K | $25K | 12.42% |
| CREATIVA ASSOCIATES FINANCIAL & INS3 Filed as: CREATIVA ASSOCIATES FINANCIAL | 28470 AVENUE STANFORD SUITE 300 VALENCIA, CA 91355 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 3.19% |
| PENTRA LLC3 Filed as: PENTRA INC | TWO VILLANOVA CENTER 795 E LANCASTER AVE SUITE 210 VILLANOVA, PA 19085 | RELIANCE LIFE INSURANCE COMPANY | $12K | — | $12K | 10.83% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE LIFE INSURANCE COMPANY | — | $1K | $1K | 1.25% |
| BENEPLACE, INC.3 Filed as: BENEPLACE INC | PO BOX 203550 AUSTIN, TX 78720 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $1K | $11K | 14.78% |
| PENTRA LLC3 Filed as: PENTRA INC | 795 E LANCASTER AVE SUITE 210 VILLANOVA, PA 19085 | HARTFORD LIFE AND ACCIDENT INSURANCE | $3K | — | $3K | 15.00% |
| BENEPLACE, INC.3 Filed as: BENEPLACE INC | PO BOX 203550 AUSTIN, TX 78720 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $257 | $2K | 13.31% |
| PENTRA LLC3 Filed as: PENTRA INC | 795 E LANCASTER AVE, #210 VILLANOVA, PA 19085 | EYEMED VISION CARE | $451 | — | $451 | 4.59% |
| PENTRA LLC3 Filed as: PENTRA INC | 795 E LANCASTER AVE SUITE 210 VILLANOVA, PA 19085 | EYEMED VISION CARE | $93 | — | $93 | 4.12% |
| PENTRA LLC3 Filed as: PENTRA INC | 795 E LANCASTER AVE SUITE 210 VILLANOVA, PA 19085 | EYEMED VISION CARE | $94 | — | $94 | 4.74% |
| PENTRA LLC3 Filed as: PENTRA INC | 795 E. LANCASTER AVE SUITE #210 VILLANOVA, PA 19085 | EYEMED VISION CARE | $35 | — | $35 | 4.80% |
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 | 4,791 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,318 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1,318 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 7,427 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | GROUP HOSPITALIZATION & MEDICAL SERVICES, INC. D/B/A/CAREFIRST BLUECRO | 4,048 | $37.0M |
| Dental(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,301 | $2.7M |
| Vision(5 contracts, 2 carriers) | EYEMED VISON CARE | 3,097 | $232K |
| Life insurance(4 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 6,110 | $1.9M |
| Long-term disability(3 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 4,304 | $1.4M |
| Other(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 5,921 | $2.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,110 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.